En Massachusetts, los conductores están obligados a tener tipos de seguro específicos que también tienen montos mínimos de cobertura de seguro de automóvil. En la mayoría de los casos, existen coberturas adicionales, pero en Massachusetts se exige tener los siguientes cuatro tipos de cobertura con límites mínimos.
1.Daños corporales a terceros
20.000 dólares por persona
If someone is hurt on your property, the liability provision of your homeowner’s insurance covers any personal injury claim that is filed. When someone files a claim under your homeowners’ policy, that is called a “third party” claim- and even if the injured party files a lawsuit against you, you are entitled to protection under the policy.
The insurance liability coverage compensates the injured person’s losses that stem from the injury including medical bills, lost income, pain and suffering- up to your policy. For instance, if you were to have $300,000 in liability insurance included in your homeowner’s policy, your insurance would pay the injured person up to that amount. Most of the time, insurance claims settle for an amount in the range of the policy limit, however, if the injured party has suffered serious or permanent injuries, the claim will be above the policy limit and you will become personally liable for any amount left over.
In the event that there has been any kind of accident/incident on your property and you believe the injury claim might be filed, (whether a slip and fall or dog bite), the first step is contacting an attorney.
Si alguien resulta herido en su propiedad, la cláusula de responsabilidad civil de su seguro de hogar cubre cualquier reclamación por daños personales que se presente. Cuando alguien presenta una reclamación en virtud de su póliza de hogar, se denomina reclamación a “terceros”, e incluso si el perjudicado presenta una demanda contra usted, tiene derecho a la protección de la póliza.
La cobertura del seguro de responsabilidad civil compensa las pérdidas de la persona perjudicada derivadas de la lesión, incluidas las facturas médicas, la pérdida de ingresos, el dolor y el sufrimiento, hasta el límite de su póliza. Por ejemplo, si usted tiene un seguro de responsabilidad civil de 300.000 dólares incluido en su póliza de vivienda, su seguro pagará a la persona lesionada hasta esa cantidad. La mayoría de las veces, las reclamaciones de seguros se resuelven por una cantidad en el rango del límite de la póliza, sin embargo, si la parte lesionada ha sufrido lesiones graves o permanentes, la reclamación será superior al límite de la póliza y usted será personalmente responsable de cualquier cantidad restante.
En el caso de que haya habido algún tipo de accidente/incidente en su propiedad y crea que se puede presentar una reclamación por lesiones, (ya sea un resbalón y caída o una mordedura de perro), el primer paso es ponerse en contacto con un abogado.
Economic damages are damages that are quantifiable and it is easy to determine monetary value. Some common economic damages are; medical expenses, lost wages, punitive damages, and disability benefits. With medical expenses, the injured victim would be compensated for medical treatments (present and future) that are necessary for recovery from the incident related injuries. The victim would additionally be compensated for lost income due to hospitalization or disability resulting from the incident. With disability benefits, victims are eligible if they require long term physical care or have had sufficient medical care and still are permanently disabled due to their injuries. Finally, punitive damages are awarded when there is proof that the property owner intentionally wanted to cause harm.
Pain and Suffering falls under the category on ‘non economic damages’, however there are a couple of standard ways in which a value can be determined; The Multiplier Method and The “Per Diem” Method. The Multiplier Method is an equation frequently used (specifically by insurance companies) to calculate Pain and Suffering damages. Through this equation, you add up all of the damages and multiply that number between one point five to five. However, in some claims, if the factors are overwhelming for the injured plaintiff, the multiplier may be increased to six, seven, or even ten. Factors that can justify a high multiplier include an elongated recovery (six months or more), physician indicates that your injuries will be recurring or degenerative, or you suffer some permanent consequence (i.e immobility). Nonetheless, this is not the only approach to quantifying your value claim. The “Per Diem” Method (“per diem” being Latin for per day) is the other common approach used in determining the value of a Pain and Suffering claim. The idea is to demand a specific value amount based on every day you had to live with the pain caused by your accident. This however can be tricky when justifying the daily rate utilized. The daily rate is mostly determined based on the daily wage earned.
If you’ve been in a slip and fall situation, please call our office at 617-444-7777. We’ll send you a FREE copy of our book, The Truth about Massachusetts Slip and Falls so you have all the information necessary to win your case!
Hay dos tipos de daños concedidos en un acuerdo de resbalón y caída: daños económicos y no económicos.
Los daños económicos son daños que son cuantificables y es fácil determinar el valor monetario. Algunos daños económicos comunes son: gastos médicos, salarios perdidos, daños punitivos y beneficios por incapacidad. En el caso de los gastos médicos, la víctima lesionada sería compensada por los tratamientos médicos (presentes y futuros) que son necesarios para recuperarse de las lesiones relacionadas con el incidente. Además, la víctima sería compensada por la pérdida de ingresos debida a la hospitalización o a la incapacidad resultante del incidente. En el caso de las prestaciones por incapacidad, las víctimas tienen derecho a ellas si necesitan cuidados físicos a largo plazo o han recibido suficiente atención médica y siguen estando permanentemente incapacitadas debido a sus lesiones. Por último, las indemnizaciones punitivas se conceden cuando hay pruebas de que el propietario quiso causar daño intencionadamente.
El dolor y el sufrimiento entran en la categoría de “daños no económicos”, sin embargo hay un par de formas estándar en las que se puede determinar un valor; el método del multiplicador y el método “per diem”.
If you’re a resident of Massachusetts, it’s important to be familiar with personal injury protection (PIP) car insurance. In Massachusetts, all drivers are required to have Personal Injury Protection (PIP) insurance. PIP covers the costs of injuries you sustain in a car accident, regardless of who is at fault, PIP coverage helps pay for medical expenses and lost income after an accident. It’s a mandatory part of car insurance in Massachusetts, so everyone needs it. But what exactly is PIP coverage, and how does it work? Here’s a breakdown.
PIP coverage is mostly available in no-fault states. In these states, if the policy holder is injured in a motor vehicle accident, that person’s policy pays for the holder’s medical care regardless of who caused the accident. Policyholders with PIP coverage can receive benefits even if the other driver doesn’t have insurance. PIP auto insurance is required in Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, Utah, and Puerto Rico.
PIP coverage, in addition to making medical care affordable, often provides payments for lost income, child care, and funeral expenses related to the accident. Some no-fault states offer medical payments coverage, but it typically has low limits and does not pay for these other costs.
Si es residente de Massachusetts, es importante que conozca el seguro de automóvil de protección contra lesiones personales (PIP). En Massachusetts, todos los conductores están obligados a tener un seguro de protección contra lesiones personales (PIP). El PIP cubre los costos de las lesiones que usted sufre en un accidente automovilístico, independientemente de quién sea el culpable, la cobertura PIP ayuda a pagar los gastos médicos y la pérdida de ingresos después de un accidente. Es una parte obligatoria del seguro de coche en Massachusetts, por lo que todo el mundo la necesita. Pero, ¿qué es exactamente la cobertura PIP y cómo funciona? Aquí hay un desglose.
La cobertura PIP está disponible principalmente en los estados sin culpa. En estos estados, si el titular de la póliza se lesiona en un accidente automovilístico, la póliza de esa persona paga la atención médica del titular independientemente de quién haya causado el accidente. Los titulares de pólizas con cobertura PIP pueden recibir beneficios incluso si el otro conductor no tiene seguro. El seguro de automóvil PIP es obligatorio en Florida, Hawai, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, Nueva Jersey, Nueva York, Dakota del Norte, Pennsylvania, Utah y Puerto Rico.
La cobertura PIP, además de hacer asequible la atención médica, suele proporcionar pagos por la pérdida de ingresos, el cuidado de los hijos y los gastos funerarios relacionados con el accidente. Algunos estados sin culpa ofrecen cobertura de pagos médicos, pero normalmente tiene límites bajos y no paga estos otros costes.
With the arrival of winter weather, it’s important to take stock of your car and its safety features. Blizzards and ice storms can make driving treacherous, so it’s important to be prepared. Here are some tips for keeping your car safe in New England winters.
Con la llegada del clima invernal, es importante hacer un balance de su coche y sus características de seguridad. Las ventiscas y las tormentas de hielo pueden hacer que la conducción sea traicionera, por lo que es importante estar preparado. Aquí tienes algunos consejos para mantener tu coche seguro en los inviernos de Nueva Inglaterra.
Almost everyone at one time or another will experience the misfortune of being involved in a car accident. Many car accidents, thankfully, involve minor impacts that result in very little, if any, property damage to the involved vehicles.
There is an assumption that a minor car accident does not and cannot cause personal injuries to the occupants of the vehicle. That is a myth that has been debunked by science. It is a fact that even a minor motor vehicle collision can cause an individual to experience personal injuries, and oftentimes, very serious personal injuries. Many people who experience a minor car accident do slowly develop pain stemming from the accident.
Sometimes, this pain can be delayed for days or even weeks, but before you know it, you have neck and or back pain that is not going away. For many people, this type of injury can even get worse and become very significant with time. That is why no matter how the accident happened, and no matter how little property damage was sustained to the vehicles, it is always wise to at least consult with a Boston personal injury lawyer for a free consultation following a minor car accident.
Massachusetts Personal Injury and Workers' Compensation Law Blog