Articles Tagged with Cambridge car accident lawyers

Traffic jam in Massachusetts

Save yourself time and frustration. Our tips for keeping your Massachusetts auto insurance policy in good standing during the COVID-19 state of emergency.

Be proactive and keep your auto insurance policy in good standing during the COVID-19 emergency. When you move or cannot make payment, let your auto insurer know in advance. This will save you a great deal of time, frustration and money during an already stressful time.

First, some news on a small savings. Due to a decrease in driving, many insurers have committed to giving Massachusetts drivers a 15 percent discount for April and May (roughly $30 in savings on a $1,200 policy), according to The Boston Globe. Not a large savings, but you don’t have to be proactive here. Just look for the credit to appear on your premium statements or a rebate check to arrive in the mail.

How Auto Insurance Works For You

Auto insurance is a critical tool in protecting yourself and your family from injury and major financial loss in a car accident or truck crash. If you were negligent in a car crash, you need to have coverage to financially compensate any victims for their medical expenses and other losses. This protects your other financial assets.

When another driver is at fault and causes your injuries, you should be entitled to seek compensation from their auto insurance policy. What’s unfair is this coverage may not be available if the driver is uninsured or is underinsured and has only purchased the state’s minimum requirement for compulsory coverage.

Many drivers should also purchase optional coverages to protect themselves. Read more in our article, “Understanding and Buying Massachusetts Car Insurance.”

Keep Current with Auto Insurance Billing

If you are unable to pay your auto insurance premium, notify your insurance agent or insurer in advance of your payment date. Auto insurers have the right to cancel your policy for non-payment and they can do so in short time. This can lead to extra fees and take up a lot of your time. The worst scenario is if you are stopped by a police officer when your auto insurance has lapsed. You could be fined and your license could be suspended, adding another layer of time and frustration.

Avoid this stress. Call your insurer and request a payment extension. The Massachusetts Department of Insurance has advised insurers “to work with consumers to be flexible and make every possible effort to avoid policy cancellation.” Read this advisory.

And if you don’t have electronic access to your auto insurance policy, ask about setting it up now so you can monitor your account.

Update Your Address

The Massachusetts Department of Insurance calls this “the single most important thing you can do to protect yourself from a claim denial.”  Your insurer sets your premium in part based on your address and the risk of collision there. If you don’t update your address, your insurer may still pay claims for your compulsory coverage. Very likely they will deny claims for your optional coverages.

If you have moved or returned home from college, notify your insurer that you have changed your address and are garaging your vehicle in a different location. Your insurance company may (or may not) provide you with some leeway up to 30 days. Regardless, update your policy immediately. You also have an obligation to update your motor vehicle registration and license and you can do this online.

Don’t own a car? Remind your family members to add you back to their policy.

Reconsider Your Coverages

As Massachusetts looks to reopen, some workers will telecommute. Still, we urge you not to reduce your auto insurance coverages to save money. Not yet. But start a conversation with your auto insurance agent about your current coverages and if they meet your needs.

Start by asking about your optional coverages. Specifically, do you have enough MedPay coverage? And do you need more underinsured and uninsured coverage? A note, if you can only raise one, purchase more MedPay, which will help pay your medical bills. For a few dollars, you can increase your coverage by $10,000 or more and this makes a big difference). Then consider raising your underinsured and uninsured coverages as well. If you do, make sure you purchase the same amount of bodily injury coverage.

If you are spending more time on a bicycle, we urge you to wear a helmet first and foremost. You will also benefit by adding auto insurance coverages to help with your medical expenses and other losses. You may be able to add coverages to your own auto insurance policy or to a household policy. Read our article, “What Every Massachusetts Bicyclist Needs to Know About Car Insurance.” 

Going forward, if you transition to working at home more, monitor your mileage. You may be able to request a low mileage discount and save money without losing any coverage.

Also, consult your insurance agent if you begin driving as part of a new job or as an independent contractor for a restaurant or business. If you are in a car accident while making work deliveries, your private passenger auto insurance policy will not cover you.

The Massachusetts Department of Insurance advises drivers and businesses to ask their insurers about endorsements for delivery drivers during the Massachusetts COVID-19 state of emergency. Read the state’s advisory, “Insurance FAQs During COVID-19 Public Health Crisis.”

About Breakstone, White & Gluck – Boston Car Crash Lawyers

Breakstone, White & Gluck is consistently recognized as a top-rated personal injury law firm in Boston. With more than 100 years combined experience, our attorneys have assisted thousands of car accident victims in Boston, Cambridge, Quincy and across Massachusetts. We have a track record of successful results covering nearly 30 years.

For a free legal consultation, contact Breakstone, White & Gluck at 800-379-1244 or 617-723-7676. You can also use our contact form.

Continue reading

Driver stops for pedestrians in BostonPedestrian safety is always an important topic. But in Massachusetts, the topic is most critical during the winter months, when a large number of pedestrian accidents happen.

First, everyone on the road – drivers, pedestrians and cyclists – must use reasonable care and follow traffic laws. Then, take another careful look at intersections and school zones you travel through. Read traffic signs and find the crosswalk markings. They may not be as visible during snow conditions, at night or when a large truck is in the next lane. Make sure to stop well before the crosswalk.

Under Massachusetts law, pedestrians have the right of way when they are in a crosswalk and the “Walk” signal is operational. When there is no signal, drivers shall yield the right of way to pedestrians.

Finally, learn where pedestrian accidents and crosswalk accidents have happened in Massachusetts. Read the list below and take away any insights you can to protect yourself, older parents and young children.

Lynn
From 2007 to 2016, the Massachusetts Department of Transportation (MassDOT) reported the highest numbers of pedestrian crashes were in Lynn. The downtown area – the roads along Washington Street, Central Avenue and Union Street – saw a total of 321 pedestrian crashes, including 223 incidents which resulted in injury or death. There were another 98 crashes without injuries.

Chelsea
The area approaching the Tobin Bridge saw 260 pedestrian crashes over the same decade. The crash cluster included Chestnut Street, Cherry Street, Ash Street and Everett Avenue. These reports included 192 pedestrian crashes resulting in injury or death and 68 other incidents with no injury reports.

Fall River
MassDOT reported North Main Street and surrounding streets had the third highest number of pedestrian accidents. There were 143 pedestrian injuries and deaths. This cluster included North Main Street then stretched over Interstate 195 to Columbia Street, Hope Street, down to Peckham and Palmer streets.

Cambridge
Central Square is one of the busiest pedestrian walking areas in all of Massachusetts. Central Square and nearby streets ranked fourth for pedestrian accidents in Massachusetts. With 143 total crashes, this cluster includes Lansdowne Street and Hancock Street. This area is near the Central Square T stop, bus services and Cambridge city services.

Boston
With 134 pedestrian crashes, a stretch of downtown Boston ranked fifth for the most pedestrian accidents. This area included Boylston Street to the Mass Turnpike, Route 93 and Frontage Road. There were 84 crashes resulting in injury or death.

New Bedford
This Bristol County community saw 82 pedestrian crashes between Route 6 and Hawthorne Street, which is near the waterfront and Buzzards Bay. Of these, 65 crashes resulted in death or injury.

Quincy
There were 77 total crashes which injured pedestrians in downtown Quincy between 2007 and 2016. These pedestrian crashes happened along Hancock Street, between Elm Street and the corner of Washington Street corner. This area sits near Quincy City Hall, the Thomas Crane Public Library and National Park Service.

Worcester
85 Worcester pedestrian accidents were reported in a cluster of streets along Francis J. McGrath Boulevard. These streets included Southbridge Street, Charleton Street and Sycamore Street. Injury was involved in 55 of these Worcester pedestrian crashes.

New Bedford
Along Acushnet Avenue and Sawyer Street, approaching Interstate 195, there were 72 pedestrian accident reports. Of these, 55 pedestrian accidents involved injury or death.

Somerville and Cambridge
There were 69 pedestrian crashes reported in the traffic cluster around Davis Square in Somerville, just along the Cambridge border. Davis Square is where Highland Avenue converges with Holland Street, College Avenue, Dover Street and Day Street. Just a mile from Tufts University in Medford, Davis Square is an ideal commuter location, with an MBTA Red Line subway service into Boston and Cambridge.

About the Data
This data was published in the MassDOT 2016 Top Crash Locations Report, December 2018.

About Breakstone, White & Gluck

At Breakstone, White & Gluck, our attorneys provide experienced representation to those injured by negligent driving, including in pedestrian accidents and bicycle crashes. If you have been injured, learn your rights. For a free legal consultation, contact our attorneys at 800-379-1244 or 617-723-7676 or use our contact form.

Continue reading

20180305-seatbelt-1200There is nothing more important than protecting your family and other passengers in the car. Many of us drive less often in the winter in Massachusetts. But in a few weeks, families will be back in the car more for afterschool sports, activities and weekend trips.

Take a few minutes now to inspect your vehicle’s seat belts and child passenger safety seats. Make sure this equipment is working and properly adjusted to fit each child. Replace car seats if your children have outgrown them. Then talk to your family about the importance of always wearing a seat belt.

Dangers on the Road for Children

DCIM101MEDIADJI_0001.JPG
Central Square Cambridge
Safety for pedestrians and cyclists is a top concern in Central Square in Cambridge.

Central Square is located around the intersection of Prospect Street, Massachusetts Avenue and Western Avenue in Cambridge. This area is a commuter hub; the Central Square MBTA subway station and bus stop are located here, near Cambridge City Hall. The state of Massachusetts has designated Central Square as an official cultural district, for its mix of theater and arts, restaurants and history. The NECCO building was long part of that history, but these days, 250 Massachusetts Avenue is now the Novartis’ global headquarters. The Cambridge YMCA is there and MIT is nearby.

Over the years, there have been numerous pedestrian and bicycle accidents in Central Square. Central Square was the #1 location for bike crashes in Massachusetts from 2005-2014, according to the Massachusetts Department of Transportation (MassDOT). It was the 5th highest pedestrian crash location. The City of Cambridge has worked to improve safety by improving crosswalks and adding bike lanes across the city. In December 2016, new bike lanes were laid down in Central Square, northbound on Massachusetts Avenue between Sydney and Douglass streets.

We had a fun opportunity to see Inman Square from up high a few weeks ago. Here are some of our photos:

The City of Cambridge has worked to improve safety for cyclists in Inman Square, recently adding new separated bike lanes on both sides of Cambridge Street, from Inman Square to Quincy Street, which approaches Harvard Square. This is .7 miles of new bike lanes with paint, flex posts and other temporary materials to help cyclists stand out. And the new lanes pass Cambridge Rindge & Latin, which serves more than 1,900 high school students. Last fall, the city also banned drivers from making certain left turns in Inman Square, after many years of bike crashes followed by a fatal bike accident last June.

Contact Information