Auto insurance policies take many different shapes and forms. It can be difficult to understand the extent and limits of your coverage, especially if your policy is written in legalese. Although it is best to have a clear understanding of your coverage before an accident occurs, sometimes questions come up following an unfortunate crash. As dedicated Boston car accident lawyers, we have assisted numerous individuals and families with understanding whether they are entitled to coverage following a car accident and we are standing by to assist you.
Recently, the Massachusetts Court of Appeal issued an opinion in a case where the plaintiff filed suit against an insurance company seeking coverage as a household member under a policy held by the mother and step-father of his partner. The plaintiff and his long-term partner had a child together. The court was asked to interpret the phrase “related by blood” when it comes to people who do not share a blood relation but who share a blood relationship through a third party.
At the time of the accident, the plaintiff was living with his partner and her mother and step-father. He was injured while riding as a passenger in a vehicle owned by a third party. The injuries were severe, resulting in several days of hospitalization, long-term disabilities, and medical bills exceeding $40,000. The plaintiff settled with the at-fault driver for her policy limits in the amount of $100,000.