— Emergency responders from the Andover Fire Department were dispatched to a two-vehicle collision on Saturday afternoon, March 21, in the vicinity of Gould Road and Route 125. The accident occurred in a heavily trafficked area of Essex County, prompting an immediate medical response.
Upon arrival, fire crews and paramedics evaluated both operators involved in the crash. While one driver was treated at the scene, Andover Fire confirmed that a second person required further medical intervention and was transported to Lawrence General Hospital for evaluation.
Our thoughts are with those hurt as they recover from their injuries.
How Insurance Works After an Accident in Andover
If you are injured in a car accident in Andover, your own insurance company should pay your initial medical bills and lost wages through Personal Injury Protection (PIP). Because Massachusetts is a "no-fault" state, this coverage applies regardless of who caused the crash.
Every standard Massachusetts auto policy includes at least $8,000 in PIP benefits. This money is designed to get you quick medical care without waiting for a legal battle to finish. PIP typically covers 100% of your medical expenses (up to the limit) and 75% of any wages you lose if you are unable to work.
To access these funds, you must file a claim with your own provider and provide medical records that prove your injuries were caused by the collision.
While PIP covers the basics, it does not pay for "pain and suffering." In Massachusetts, you can only sue the at-fault driver for these additional damages if your medical bills exceed $2,000, or if the accident resulted in a serious injury like a broken bone or permanent scarring.
In these types of situations, an attorney can help you track every physical therapy session and doctor's visit to ensure you meet this legal threshold, allowing you to seek a much larger settlement from the other driver's insurance company.
Shortly after a crash, the other driver's insurance company will likely call you to ask for a "recorded statement." Their goal is often to find a reason to pay you less or blame you for the accident. A lawyer acts as your shield, handling all communications with insurance adjusters so you don't accidentally say something that hurts your case.
They also investigate if the other driver has enough "Bodily Injury" coverage to pay for your long-term recovery, ensuring you aren't stuck with unpaid bills if your treatment costs more than the PIP limit.
After a crash on this road, a
car accident lawyer can help with the accident report, evidence collection and revision, insurance negotiations, and more.
If you or a loved one has been injured in a crash, Attorney Christopher Fiorentino of Fiorentino Legal, P.C. can review your case. He has been representing Massachusetts residents in personal injury matters for over a decade.
In case you have questions after your Andover car accident, you can reach Christopher Fiorentino at his cell phone today: (617) 990-2568.
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.
