Questions & Answers

What to Bring to Your First Visit

When you come into the office for the first visit you need to bring the following items with you:

  1. Police Report / Operator's Report
  2. Drivers License
  3. Insurance Coverage Declaration Page For Your Vehicle
  4. Health Insurance Card
  5. Discharge Instructions From The Hospital
  6. Medical Bills

What to Expect At Your First Visit

Discuss the Accident

You will obtain immediate consultation with Attorney Christopher F. Cava or Attorney Jennifer L. Cava-Foreman to discuss the facts of your accident. We will review the Police Report and your Operator's Report. If no reports are available, we will discuss the position of the vehicles upon impact and how the impact affected the occupants of the vehicles. We will discuss Emergency Room and urgent care visits you have had to make, along with necessary medical treatment for the future.

Discuss the Injuries

If the car accident happens in Massachusetts, We will explain the law as it relates to Bodily Injury claims in Massachusetts. Generally, you need $2,000 of medical treatments, which include emergency room, ambulance, x-rays, physical therapy and chiropractic care,, to have a claim for pain and suffering.

If there is a fracture, scar, bulging, herniated disc, fractured tooth or any other injury, which is considered permanent in nature, then your case is immediately eligible for a Bodily Injury Settlement.

Discuss the Medical Bills

We will explain how your medical bills will be paid under the Personal Injury Protection portion if the Massachusetts Automobile Insurance Policy. This coverage must be coordinated with your Health Insurance coverage. Also, any lost wages you have will also be covered up to 75% of your average weekly wage over the past year.

Discuss the Claim and Settlement Process

At the completion of your treatment, Attorney Christopher F. Cava or Attorney Jennifer L. Cava-Foreman will request your records from the treating doctors and they will make a demand for settlement upon the insurance company of the fault party. Settlement offers are generally received within thirty days of demand for settlement.

Case Progress

Many personal injury or medical malpractice cases are settled before litigation. The negotiation stage begins once you have finished all necessary treatment. We begin by demanding a settlement value for your case to the insurance company. Then the insurance company will counteroffer and negotiation begins. Our attorneys will aggressively negotiate for maximum compensation. When no agreement can be made, Arbitration and Mediation will be considered. If no agreement can be reached then your case will be filed in court and put on a tracking order from start to finish. Your case may be settled at any stage up until the day of the trial. In the event of no settlement, the judge or jury will make the final award of compensation at trial.

Cava Law Firm is here to HELP YOU!

Call us right away and we will guide you through this process. If you do not have transportation to the office

Attorney Cava will come to your home, place of work or hospital bed to obtain information necessary to advocate for you.

Many medical providers will provide rides to and from necessary medical appointments.

Free Initial Consultation and NO fees until your case is settled.

Frequently Asked Questions

[Click on a question to view the answer]

Do I Have a Case?

In most cases a settlement/award can be reached. Call for a free case analysis. We will take the time to gather all the information and guide you to the best course of action.

Will my insurance go up?

Under Massachusetts law, premiums may increase if you are found at fault in the accident.

What is the Attorney Fee?

You pay no fees until a settlement or verdict is reached. A written fee agreement will be given to you at your first appointment. It will outline the details of how we don’t get paid unless you get paid.

How long will it take to get my settlement?

Once you have finished treatment, it generally takes about 2-3 months to reach a settlement. Once a final offer has been obtained, we will discuss it with you and decide if it in your best interest to accept the offer or proceed to litigation. This part is the strategy behind your case, our goal is to yield the maximum results possible on your case.

Will my property damage by covered?

If you have collision coverage on your insurance, you are automatically covered for property damage to your vehicle.

If you are found not at fault for an accident, your collision damage will be covered by the responsible party's insurance company.

If I was in an accident in a vehicle I do not own?

If you are in an accident in a vehicle that you do not own, your medical bills and lost wages are covered by the insurance policy of the vehicle you were operating. Coverage can also be available if a member of your household owns a vehicle and carries valid insurance.

What if I am hit by a car that does not have insurance or the accident was a HIT-AND-RUN?

If you were involved in an accident and the other driver does not have insurance or they never identified themself, you to still have bodily injury coverage. Your own auto policy has a provision for uninsured or underinsured coverage. Also, coverage can come from an active policy of a household member.

Can I get a rental car?

If you have rental on your insurance, you are automatically covered. If you do not have rental, we will contact the responsible party's insurance company to obtain authorization for a rental vehicle.

What happens in a hit & run and the at fault person can not be identified?

Your bodily injury will be covered under the uninsured/ under insured portion of your auto policy. Your medical bills and lost wages will be covered under the Personal Injury portion of your auto insurance.

How long will I need to treat?

You will need to treat until you are released from the doctor coordinating your care. This will depend on the extent of your injury and how your body recovers from the traumatic event.

Will I receive lost wages?

Yes. Lost wages are recovered in the award for damages. Additional lost wages are also recovered as part of Personal Injury Protection (P.I.P.) under your insurance. Generally, you can recover 75% of your average weekly wage.

Who pays the medical bills?

The first $2,000 of medical bills in an auto accident case is covered by P.I.P. benefits from the vehicle you were operating. Then depending on your Health Insurance Policy, an additional $6,000 of P.I.P. benefits may be available to you. The remaining bills get submitted to your health insurance. Ultimately, all medical bills are recovered in the final settlement.