When it comes to matters concerning vehicle accidents and auto insurance, Massachusetts is a no-fault state. Basically, this means that those injured in car crashes are expected to seek compensation under their own insurance coverage. There are certain exceptions to this rule, though, like when your reasonable medical expenses exceed $2,000 or when you suffered serious and permanent disfigurement leading to the loss of your vital functions, such as sight or hearing.
As it stands, this threshold is a bit vague because there is no science that exactly determines the level of injury that can classify it as a “serious disfigurement”. Your personal injury lawyer may then have the flexibility to seek further negotiations on whether or not your claim can be limited by the no-fault rule.