We all know how expensive medical treatment can be and how easy it is to rack up the bills. This scenario becomes all the more apparent when someone is the victim of a motor vehicle accident and suffers debilitating injuries. Given the high cost of affordable health insurance, there is a way to protect yourself against skyrocketing health costs associated with a motor vehicle accident.

Did you know that for relatively short money (e.g. $15 to $25 depending on your insurance company) you can add optional Medical Payments coverage on your automobile insurance policy? Medical Payment insurance covers the reasonable and necessary medical expenses incurred as a result of a motor vehicle accident involving any of the following people:

• Anyone who is occupying your vehicle at the time of the accident with consent (including you or a household member) and
• You or any household member if struck by an automobile as a pedestrian or if occupying someone else’s vehicle at the time of the accident with consent.

Optional Medical Payments coverage is usually purchased in $5000 increments and will provide coverage for your medical expenses in addition to the $8000 mandatory coverage under the compulsory PIP (Personal Injury Protection) coverage. However, because the PIP coverage also reimburses one for lost wages resulting from the accident, often times there is not adequate coverage for all of one’s medical expenses and lost wages resulting from an accident from the mandatory PIP coverage. Medical Payments coverage offers additional protection and allows one to obtain the medical treatment necessary for injuries resulting from a motor vehicle accident and we highly recommend purchasing this coverage.

Welcome to the Legal Blog of the Law Offices of Edward F. Wallace.

A quick introduction into our lawyers:

Edward F. Wallace has been practicing law for over 30 years. He received his law degree from Suffolk University Law School in 1978. He is admitted to practice before all the courts of the States of Massachusetts and New Hampshire, the United States District Court for the District of Massachusetts and the United States District Court for the District of New Hampshire, and the Supreme Court of the United States. Attorney Wallace is certified as an Advocate by the National College for Advocacy and a member of the Association of Trial Lawyers of America.

Laura Sheppard received her law degree from the Massachusetts School of Law in 1996. She is admitted to practice before all the courts of the States of Massachusetts and New Hampshire, the United States District Court for the District of Massachusetts and the United States District Court for the District of New Hampshire. Attorney Sheppard is a member of the Association of Trial Lawyers of America and the New Hampshire Trial Lawyers Association.

A quick introduction to our webmaster:

Nicole Janice Wallace received her B.A. in English and Medieval Studies from Smith College in 2002. She received her M.A. from University College London in the UK in 2003 in Scandinavian Studies. She is currently the webmaster and designer of TheMediationLawyers.com. In addition to her work at this law firm, she moderates two unrelated websites.