THE BIGGEST CAR INSURANCE MISTAKE YOU’LL REGRET
Massachusetts drivers, please listen up! If you’ve ever been tempted to save money on your car insurance by choosing a PIP deductible, here’s a friendly lawyer wake-up call: Don’t do it! It might sound like a good deal, but it’s one of the worst financial decisions you can make after an accident. Here’s the deal: PIP (Personal Injury Protection) is like your financial safety net. It covers up to $8,000 in medical bills, lost wages, and other expenses if you’re hurt in a crash — no matter who’s at fault. But when you take a deductible, you lose access to that coverage until your medical bills exceed the deductible. That’s bad enough, but it gets worse. Massachusetts law lets the at-fault driver’s insurance company subtract what PIP should have paid from your settlement — even if you didn’t use PIP because of your deductible. Confused? Let’s simplify: Say you rack up $10,000 in physical therapy and doctor bills, and the at-fault driver’s insurance values your case at $15,000. Sounds fair, right? Wrong! They’ll now
subtract $8,000 (the PIP you didn’t get), leaving you with just $7,000. So, by trying to save $100 on premiums, you lose $8,000. Ouch. And here’s the kicker: You might still owe money to your health insurance or medical providers after all this. Bottom line? That deductible isn’t saving you — it’s robbing you. Do yourself a favor: Skip the deductible and stick with full PIP coverage. Trust us — you’ll thank yourself if and when you are hurt in an accident.
REVIEW OF THE MONTH
“I could not believe how fast my case was resolved. I was in a motorcycle accident, got hit by a car, and badly injured my leg and foot. Three months after the accident, we came to an agreement with the insurance company. I am very grateful for everything Joan did for me — she had my file done and sent it to everyone quickly. She works very fast and takes her job seriously, and I’m thankful for that. I’m beyond happy with the outcome of this case. Thanks again for all of your help!” –Chris Pousland
2 • SPADALAWGROUP.COM
Made with FlippingBook Ebook Creator