Braintree, MA personal injury attorney Michael Conley discusses how insurance works in MA car accident cases. He points out that in many car accident cases, the emphasis often shifts from the vehicle itself to the importance of insurance coverage. As a case progresses, multiple layers of insurance must be considered. Initially, clients must navigate no-fault coverage, followed by liability coverage for the at-fault driver. In many instances, it is also necessary to address uninsured and underinsured motorist coverage.

While insurance policies were once more standardized, there is now significant variation. Given that New England is comprised of several small states, he must be well-versed not only in Massachusetts law but also in the regulations of Rhode Island and New Hampshire, and understand how these policies interact. He observes that this complexity presents a far greater challenge than simply determining fault for an accident.