If you’ve been hurt in a Massachusetts car accident, you’re not alone. Thousands of drivers, passengers, and pedestrians face the aftermath of collisions every year here in the Commonwealth. The process of handling injuries, insurance claims, and legal rights can be overwhelming — especially when you’re focused on recovery.
That’s why Percy Law Group, PC, with decades of experience fighting for Massachusetts accident victims, created this comprehensive 2025 guide. We want you to know exactly what to do, what to expect, and how to protect yourself when navigating the legal aftermath of a car accident.
Why This Guide Matters in 2025
Massachusetts has unique car accident laws that differ from other states — especially its no-fault insurance system and comparative negligence rules. In 2025, these laws continue evolving alongside insurance policies, court rulings, and procedural requirements.
Percy Law Group, PC stays at the forefront of these changes to give our clients the strongest advantage. Whether you’re in Boston, Taunton, or anywhere in the state, this guide equips you with knowledge to make informed decisions and protect your rights.
Step 1: Ensure Safety and Seek Medical Help Immediately
Your health and safety are the top priorities after any accident.
- Move to safety if possible but avoid leaving the scene.
- Call 911 immediately — police reports are vital legal documents.
- Seek medical care even if you feel fine. Injuries like whiplash or internal trauma might not show symptoms right away but can have long-term effects.
At Percy Law Group, PC, we’ve seen how early medical records can be crucial in proving the extent of injuries and supporting your claim.
Step 2: Document Everything — The Key to Your Case
When safe, take clear photos of:
- Vehicle damage from multiple angles
- License plates and driver info
- Road conditions, traffic signs, and skid marks
- Your injuries, no matter how minor they seem
Also, gather contact info from other drivers and witnesses. Never admit fault or apologize — it can be used against you later.
This evidence forms the foundation of any claim, and Percy Law Group, PC advises clients to keep a thorough accident journal.
Step 3: Understand Massachusetts’ No-Fault Insurance System in 2025
Massachusetts is a no-fault state, meaning your own insurance covers medical bills and lost wages regardless of who caused the crash — up to $8,000 in Personal Injury Protection (PIP) benefits.
However, you can file a lawsuit against the at-fault party if:
- Your medical bills exceed $2,000, or
- You’ve sustained a serious injury, such as broken bones, permanent disfigurement, or substantial loss of function.
Navigating this system can be complicated, but Percy Law Group, PC’s attorneys specialize in maximizing your benefits while helping you understand when it’s time to pursue a claim beyond PIP.
Step 4: Report the Accident and Handle Insurance Carefully
Notify your insurance company within 24–48 hours. Provide only factual information — no guesses or fault admissions.
Beware of recorded statements requested by the other driver’s insurer. Instead, inform them you have legal representation and direct all inquiries to your attorney.
Percy Law Group, PC expertly handles insurer communications to protect your interests and prevent costly mistakes.
Step 5: Massachusetts’ Modified Comparative Negligence Rule — What You Must Know
Massachusetts follows a modified comparative fault system. This means:
- If you’re 50% or less at fault, you can recover damages but your award is reduced by your fault percentage.
- If you’re more than 50% at fault, you cannot recover damages.
For example, if the court awards you $100,000 but finds you 30% responsible, you’ll receive $70,000.
Our team at Percy Law Group, PC has extensive experience challenging fault assessments and ensuring clients pay no more than their fair share.
Step 6: Statute of Limitations — Don’t Miss Your Deadline!
In Massachusetts, you have 3 years from the date of the accident to file a personal injury lawsuit. Missing this deadline usually means losing your right to sue.
If your claim involves a government entity (like a city or state vehicle), the deadline shortens to 2 years.
At Percy Law Group, PC, we advise clients to act quickly and start gathering evidence early to avoid missing critical deadlines.
Step 7: What Damages Can You Recover?
You may be entitled to recover:
Economic Damages
- Medical expenses (past and future)
- Lost wages and reduced earning capacity
- Property damage to your vehicle or belongings
Non-Economic Damages
- Pain and suffering
- Emotional distress, such as anxiety or PTSD
- Loss of enjoyment of life
Our attorneys at Percy Law Group, PC work closely with medical professionals to build strong cases for the full scope of your damages.
Step 8: How the Settlement Process Works
Most cases settle before trial. The typical process includes:
- Investigation: Insurance companies review police reports, medical records, and liability.
- Demand and Negotiation: Your attorney submits a demand letter; negotiations begin.
- Settlement or Trial: If no fair settlement is reached, we prepare to take your case to court.
We understand the pressure to settle quickly, but rushing can leave you under-compensated. Percy Law Group, PC fights to secure the maximum settlement possible.
Step 9: When Should You Hire a Personal Injury Attorney in Massachusetts?
Contact Percy Law Group, PC as soon as possible if:
- You have serious or ongoing injuries.
- Your medical bills exceed $2,000.
- Fault is disputed or insurance companies are uncooperative.
- You feel overwhelmed by the claims process.
Early legal intervention can improve outcomes significantly — from gathering evidence to negotiating with insurers or filing suit.
Why Choose Percy Law Group, PC in 2025?
- Over 30 years of combined experience representing Massachusetts car accident victims
- Personalized, compassionate service — we listen to you
- Multilingual team fluent in English, Spanish, and Portuguese
- No fees unless we win your case
- Proven track record of aggressive negotiation and successful litigation
We’re not just lawyers — we’re your dedicated advocates.
Frequently Asked Questions (FAQs)
Q: Do I always have to file a police report?
A: Yes, if there are injuries or property damage over $1,000. Police reports are essential for claims.
Q: Can I handle a car accident claim myself?
A: You can, but insurance companies have teams of adjusters trained to minimize payouts. An experienced lawyer like Percy Law Group, PC levels the playing field.
Q: What if the other driver doesn’t have insurance?
A: Massachusetts requires uninsured motorist coverage. We help you file claims and pursue all available options.
Take Action Now: Protect Your Rights with Percy Law Group, PC
If you’ve been injured in a Massachusetts car accident in 2025, don’t wait. Contact Percy Law Group, PC today for a free consultation.
Our experienced personal injury attorneys will help you understand your rights, guide you through the claims process, and fight to get you the compensation you deserve.