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  • Attorney John Finbury takes novel issue in a negligence claim against the City of Haverhill to the Massachusetts Supreme Judicial Court, and wins.

    Click here to view opinion

    Click here to watch oral argument
  • $500,000 worker's compensation settlement
    for Massachusetts Home Depot employee who suffered severe spinal injury when he hyperextended his body in order to avoid being struck by employee pushing carriages towards him in an aisle.
  • $400,000 worker's compensation settlement
    for Massachusetts truck driver who injured lower back as a result of a fall in gas station while delivering gasoline.
  • $230,000 worker's compensation settlement
    for employee who developed RSD/CRPS following finger joint surgery for work-related repetitive stress injury.
  • $1.5 Million Verdict
    in Essex County for serious personal injuries caused by a drunk driver in a motor vehicle accident.
  • $1.4 Million Verdict
    in Essex County for a young man who was injured when a stool collapsed at a restaurant in Haverhill, Massachusetts. It was necessary to use experts in the field of medicine, economics, and vocational rehabilitation to prove the damages suffered by this client.
  • $1.3 Million Settlement
    In Essex County for an electrician injured in an arc blast while working in North Andover. He suffered burns and a fractured elbow. Medical, electrical and code experts were used to prove liability and damages. The firm is experienced in filing suit and litigating these types of cases in order to obtain the maximum benefit to which our clients are entitled.
  • $1.275 Million Settlement
    in Essex County where a motor vehicle chased by the police crashed and overturned resulting in injuries to a passenger. The injuries included fractured vertebrae which required surgery and which resulted in a permanent injury, as well as internal complications and lower leg ailments.
  • $1 Million Verdict
    in Essex County Superior Court (Lawrence, MA) for a wife who was beaten and stabbed by her husband, leaving her with significant permanent injuries.
  • $835,000 Settlement
    in New Hampshire for a medical malpractice claim and related workers' compensation claim involving a failed sympathetic block for complex regional pain syndrome.
  • $767,000 Settlement
    for a man who was partially paralyzed as the result of a motor vehicle collision. The plaintiff was a passenger in a vehicle in which the operator was over-served at a club in Haverhill. Expert testimony was used to prove that improper training and serving procedures led to the over-serving of alcohol.
  • $750,000 Verdict
    in Newburyport Superior Court for a woman injured in an auto collision. The insurance company offered $75,000 to settle, one-tenth of the ultimate verdict. That offer was refused and we went to trial. With interest the verdict exceeded $1,000,000.
  • $650,000 Settlement
    for a liquor liability case in New Hampshire
  • $450,000 Workers' Compensation Settlement
    where a New Hampshire employee was contaminated by chemicals in the air at his place of employment in Massachusetts.
  • $450,000 Settlement
    in Hillsborough County New Hampshire where a young teacher slipped and fell while exiting a convenience store resulting in orthopedic injuries and a closed head injury.
  • $400,000 Verdict
    in Middlesex County Superior Court (Cambridge, MA) for a young man injured at the Haverhill train station when the train began pulling away as he was boarding. A final offer of $25,000.00 was rejected. With interest, the final judgment was over $500.00.00.
  • $379,000 Arbitration Award
    For tenant in commercial lease dispute
  • $250,000 Verdict
    in Essex Superior Court (Lawrence, MA) for a mailman attacked by two dogs in the course of his employment, resulting in injuries to his back and neck as he was fleeing from the animals. With interest the judgment exceeded $316,000.00.
  • $250,000 Settlement
    in Rockingham county for a Newton, New Hampshire woman who was severely injured in a head-on collision resulting in multiple fractures.
  • $225,000 Settlement
    in Essex County where an employee slipped and fell on her way into work as a result of weather conditions. She settled with the workers' compensation carrier as well as the owner and property maintenance company.
  • $150,000 Verdict
    in Suffolk County for a patron of a bar whose leg was fractured by the negligent conduct of a security guard.
  • $150,000 Settlement
    in Rockingham county for a woman who was severely injured when she slipped and fell on water at a major department store. A lawsuit was necessary to obtain discovery which ultimately showed that the store allowed a freezer to leak for several days without adequate clean up..
  • $140,000 Settlement
    in Essex county for a Methuen woman who suffer a fractured hip on a dark outside stairway due to the landlord's failure to properly maintain the lighting.
  • $45,000 Settlement
    in Essex County for a boy under 2 years old who fell from a landing in a rented apartment due to improper construction of a railing.
  • $25,000 Settlement
    in Rockingham County for a man injured when he slipped on icy stairs at a mall in Southern New Hampshire as a result of negligent maintenance of the property.

Who Pays The Medical Bills

Haverhill Massachusetts and New Hampshire Car Accident Injury Lawyer

To protect your rights to compensation for injuries suffered in a car accident, you should contact a personal injury attorney as soon as possible after your car accident.

The following provides information about how medical bills are paid if you are injured in a car accident while occupying a care insured in Massachusetts or New Hampshire.

If You Are Injured in a Massachusetts-Insured Car

If you were injured in an automobile accident while you occupied a Massachusetts-insured car, the law requires procedures for payment of your medical bills.

Every car insured in Massachusetts carries as part of its insurance a benefit known as Personal Injury Protection (P.I.P.). These PIP benefits will pay the medical bills, up to a certain limit, of anyone occupying that car-even when the driver of that car is not at fault. The insurance company paying these benefits then is reimbursed by the insurance company of the driver who was at fault.

Some of the rules regarding PIP coverage are complicated, and we encourage you to ask questions. In general, PIP benefits provide payment of your medical bills as follows:

  • If you have no health insurance: If you are not covered by any health insurance at all, or if you are covered by Mass Health or Medicare, then the PIP benefits will cover $8,000.00 of your medical bills. Part of that $8,000.00 may be used to reimburse you for lost wages instead of being applied to medical bills.
  • If you have health insurance that does not require a referral or authorization for medical treatment: Where you have health insurance that does not require a referral or authorization in advance of medical treatment, PIP will pay the first $2,000.00 of your medical bills regardless of whom the medical provider is. After that, you are required to submit the remaining medical bills to your health insurance provider. Any amount your provider does not cover will generally be covered by PIP benefits until you have exhausted $8,000.00 in PIP benefits.
  • If you belong to an HMO or have health insurance which requires an authorization for medical treatment, or a referral or approval by a primary care physician, before obtaining medical benefits: In this situation PIP again will cover the first $2,000.00 of medical bills regardless of who the provider is. HOWEVER, AFTER THAT, YOU MUST COORDINATE YOUR MEDICAL TREATMENT THROUGH YOUR HEALTH INSURANCE PLAN. If you obtain medical treatment outside of your plan, it MAY not be covered either by your medical insurance or by PIP. The ultimate result will be that your settlement will be reduced because your medical bills will have to be paid out of settlement.

The first step is to check with your health insurance immediately to see if they require prior approval, authorization, or referral for medical treatment. You need to find out what they require and tell us as soon as possible. Also, if the doctor treating you refers you to other doctors, you should first check with your health insurance to get a referral so that any tests, procedures, and exams are covered.

The goal is to get as much medical treatment covered as possible, either by pip or through your health insurance.

If You Are Injured in a New Hampshire-Insured Car

Payment of bills in this situation is much easier. Usually, an Automobile insured in New Hampshire carries medical payment insurance which covers the medical bills of occupants up to a stated limit. You should discuss this with your attorney in order to maximize your recovery and protect your rights.

Free Initial consultation: Contact a car accident lawyer at Finbury & Sullivan, P.C. today for a free case evaluation. We offer home and hospital visits.