When you come into the office for the first visit you need to bring the following items with you:
You will obtain immediate consultation with Attorney Christopher F. Cava or Attorney Jennifer L. Cava-Foreman to discuss the facts of your accident. We will review the Police Report. If no report exists or the police were not called to the scene we will create an Operators Report. Then we will discuss in detail the position of vehicles. If no reports are available, we will discuss the position of the vehicles upon impact and how the impact affected the occupants of the vehicles. We will discuss Emergency Room and urgent care visits you have had to make, along with necessary medical treatment for the future.
If the car accident happens in Massachusetts, We will explain the law as it relates to Bodily Injury claims in Massachusetts. Generally, you need $2,000 of medical treatments, which include emergency room, ambulance, x-rays, physical therapy and chiropractic care, to have a claim for pain and suffering.
If there is a fracture, scar, bulging, herniated disc, fractured tooth or any other injury, which is considered permanent in nature, then your case is immediately eligible for a Bodily Injury Settlement.
We will explain how your medical bills will be paid under the Personal Injury Protection portion if the Massachusetts Automobile Insurance Policy. This coverage must be coordinated with your Health Insurance coverage. Also, any lost wages you have will also be covered up to 75% of your average weekly wage over the past year.
At the completion of your treatment, Attorney Christopher F. Cava or Attorney Jennifer L. Cava-Foreman will request your records from the treating doctors and they will make a demand for settlement upon the insurance company of the fault party. Settlement offers are generally received within thirty days of demand for settlement.
Many personal injury or medical malpractice cases are settled before litigation. The negotiation stage begins once you have finished all necessary treatment. We begin by demanding a settlement value for your case to the insurance company. Then the insurance company will counteroffer and negotiation begins. Our attorneys will aggressively negotiate for maximum compensation. When no agreement can be made, Arbitration and Mediation will be considered. If no agreement can be reached then your case will be filed in court and put on a tracking order from start to finish. Your case may be settled at any stage up until the day of the trial. In the event of no settlement, the judge or jury will make the final award of compensation at trial.
Call us right away and we will guide you thorough the process. If you do not have transportation to the office, Attorney Cava will come to your home, place of work or hospital bed to obtain information necessary to advocate for you.
Many medical providers will provide rides to and from necessary medical appointments.
Free Initial Consultation and NO fees until your case is settled.
In most cases a settlement/award can be reached. Call for a free case analysis. We will take the time to gather all the information and guide you to the best course of action.
Under Massachusetts law, premiums may increase if you are found at fault in the accident.
If you are in an accident in a vehicle that you do not own, your medical bills and lost wages are covered by the insurance policy of the vehicle you were operating. Coverage can also be available if a member of your household owns a vehicle and carries valid insurance.
If you have rental on your insurance, you are automatically covered. If you do not have rental, we will contact the responsible party’s insurance company to obtain authorization for a rental vehicle.
Your bodily injury will be covered under the uninsured/ under insured portion of your auto policy. Your medical bills and lost wages will be covered under the Personal Injury portion of your auto insurance.
You will need to treat until you are released from the doctor coordinating your care. This will depend on the extent of your injury and how your body recovers from the traumatic event.
Yes. Lost wages are recovered in the award for damages. Additional lost wages are also recovered as part of Personal Injury Protection (P.I.P.) under your insurance. Generally, you can recover 75% of your average weekly wage.
Medical Bills that are related to care from an accident are paid out by the at-fault party’s insurance carrier.
Call our Springfield, MA Office at (413) 737-3430 to speak with Attorney Christopher F. Cava or Attorney Jennifer L. Cava-Foreman