So, you’ve been involved in a motor vehicle accident in Massachusetts and you’re wondering, “What won’t the insurance company tell me?” The answer is a lot. So, remember, the insurance company is a company for profit. What does that really mean? That means that every dollar they pay you to take care of your property damage, to take care of your bodily injury claim, is a dollar that they can’t give to their shareholders. Most of them are publicly held companies. So they have a duty to protect their shareholders. They have a duty to be able to make as much profit as they can. It’s the society we live in, right?
So there’s a TikTok running around right now that talks about the hundred or so billionaires in the world and everybody else. Well, those insurance companies, they’re up there in value. And they got up there because they don’t want to pay you what you deserve. So what won’t they tell you? They won’t tell you the law as it really lays out. In my opinion, they’ll lie to you. And so, you know, that’s a gray area. What are they supposed to tell you? What are they compelled to tell you? They’re really not compelled to tell you anything. So, if you ask them a question, how they couch the answer to that question is very carefully. They’re always trying to prove that you were at fault and not their insured. They’re always trying to prove that you’re not injured and you’re not entitled to compensation. But as an example, we have the collateral source law in Massachusetts. What does that mean? That means if you have health insurance and your health insurance company pays your medical bills in full, you just have some co-pays. The insurance company will tell you if you’re negotiating with them and you made the mistake of not calling us. They’re going to tell you, “Oh, you’re not entitled to get your medical bills paid because they’ve already been paid. We’re just going to pay you for the co-pays, the part that you paid out of pocket.”
That’s a bold-faced lie, and that’s not what the law is. The collateral source says you’re entitled to be paid twice. You’re entitled to be paid once by your health insurance contract because you pay for that service. You’re paying a premium every month for your health insurance. And you’re entitled to be paid for the face amount of the medical bills by the defendant for the total amount. So, $5,000 medical bill, your health insurance company paid $2,500, wrote off the other $2,500, and part of that bill was your co-pay. They have to pay the $5,000 medical bill. What the insurance company isn’t telling you, they aren’t telling you what you need to know. So, what does that really mean? It means you’re injured. You should be calling my law firm. Why? Because we’re going to tell you everything that you need to know. We’re going to fight for you. We’re going to defend you against the insurance company, and we’re going to do everything we can to make sure you win.
