Massachusetts Dram Shop Claims

A claim brought against someone who has injured you while they were intoxicated is known as a “dram shop” claim.  (Historical note: the name comes from the fact that alcohol was traditionally sold by a unit of measure called a “dram.”) If you are injured by someone whose intoxication played a part in causing an accident, you can usually bring a personal injury lawsuit against that person. In many states, including Massachusetts, the law also allows you to hold an alcohol vendor civilly liable for providing alcohol to the intoxicated person who caused your injuries.

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Your Totaled Car and Car Taxes

What to do if you find yourself with a totaled car after an accident, a very often overlooked aspect of dealing with a car accident is the excise tax. You have just been through an often traumatic incident and may have suffered injuries. When you are dealing with trying to get the medical care you need and dealing with the insurance companies to get your money it is easy to forget about taxes and other fees that may be due on your car.

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What is Workers’ Compensation?

The Workers’ Compensation Act of the Connecticut General Statutes provides medical treatment, “wage replacement” benefits, and other benefits for employees who, unfortunately, have been injured at work or who have become ill from their jobs.

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What is UIM/UM Insurance Coverage?

One component of insurance policies should be Uninsured or Underinsured motorist coverage (UM/UIM).  When purchasing or upgrading a policy, you will want to make sure that you have these as a part of a policy.  These coverages will protect you and your passengers in the car, in the event that you are in an accident and the other party involved has no or too little insurance to cover the damage to your car, medical bills and expenses.

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Splurged on an Expensive Gift? Don’t Forget to Insure It.

Insurance might be the least exciting thing about surprising your loved one with a valuable gift this holiday — but don’t let it fall off your priority list.

“Don’t sacrifice preparedness for the surprise,” says Lisa Lindsay, executive director at the Private Risk Management Association, an insurance industry group that focuses on high net worth customers.

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Your Leased Car is Totaled

You have been in an accident in your leased vehicle now what?  The insurance company has deemed your car a total loss.  Not only are you suffering with physical injuries now you are faced with dealing with a leasing company and the insurance company to determine what is going to happen.

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