Andover, MA — Three-Vehicle Crash on I-495 SB

Andover, MA (May 10, 2026) — Emergency units were dispatched to a multi-vehicle accident late Saturday afternoon, May 9, on Interstate 495 Southbound near Exit 99 (Route 28).

First responders arrived to find three vehicles involved in the crash. Due to the scale of the incident and reports of injuries, the Lawrence Fire Department was called in to assist Andover crews with patient care and scene safety. While the exact number of patients transported to local hospitals has not been finalized, paramedics were seen evaluating occupants at the scene for impact-related injuries. 

Authorities continue to investigate the cause of the crash.


We hope the injured individuals make a full and steady recovery.

What are the Compensation Options After a Multi-Vehicle Crash in Massachusetts?

In Massachusetts, your financial recovery is structured through a combination of No-Fault benefits and potential third-party claims. To protect your rights, you must understand how to access Personal Injury Protection (PIP) for immediate costs, identify all available liability insurance policies from the multiple drivers involved, and consult a professional to determine if you meet the legal thresholds required to seek compensation for non-economic damages like pain and suffering.

Accessing No-Fault Personal Injury Protection (PIP)

Regardless of who caused the multi-car pileup, your first source of compensation is your own insurance policy’s PIP coverage. In Massachusetts, this typically provides up to $8,000 for medical expenses, 75% of lost wages, and necessary replacement services. If you have health insurance, PIP usually pays the first $2,000, after which your health insurer takes over, with PIP covering remaining deductibles or co-pays. 

Pursuing Third-Party Liability Claims

If another driver’s negligence caused the chain reaction, you have the right to file a claim against their Bodily Injury (BI) liability insurance. In multi-vehicle crashes, liability is often shared. An attorney can help with the investigation of the crash to ensure you are collecting from every responsible party’s policy, which is critical when a single driver's insurance limits are insufficient to cover the total damages of multiple injured victims.

Understanding the Tort Threshold for Pain and Suffering

To move beyond basic medical bills and seek compensation for pain and suffering, Massachusetts law requires that you meet one of the tort thresholds. This usually means your medical expenses must exceed $2,000, or the crash resulted in a fracture, permanent disfigurement, or loss of sight/hearing. 

Utilizing Uninsured and Underinsured Motorist (UM/UIM) Coverage

If one of the drivers involved in the crash is uninsured, or if the at-fault driver's policy is exhausted by the other victims, you have the right to activate your own Uninsured (UM) or Underinsured Motorist (UIM) coverage. This acts as a secondary layer of compensation, providing a safety net to ensure you aren't left with unpaid bills or uncompensated trauma. 

Speaking with a car accident lawyer can be helpful, as they can explain your rights and guide you through the claims process. An attorney can also help determine liability and clarify how the information you collected applies to your situation.

If you have been injured in a car accident and don't know how to proceed, Attorney Christopher Fiorentino of Fiorentino Legal, P.C. can provide dedicated support after your crash in Massachusetts. You can contact him at (617) 990-2568 to discuss your case and learn more about your options moving forward.

Note: This post is based on information obtained from publicly available secondary sources. While we strive to ensure the accuracy of the information presented, Fiorentino Legal, P.C. has not independently verified all details of the incident reported. If you notice any inaccuracies or missing information, please contact Fiorentino Legal, P.C. so we can promptly review and update the content.

Disclaimer: The content of this post is provided for general informational purposes only and should not be interpreted as legal or medical advice. Reading this post does not create an attorney-client relationship with Fiorentino Legal, P.C. If you have been injured in an accident, seek appropriate medical care and consult a qualified attorney regarding your legal options. Any images included are for illustrative purposes only and do not depict the actual accident scene or individuals involved.