Cambridge Personal Injury Lawyer
Quick Answer: Cambridge Personal Injury Lawyer
- Gavagan Law represents people injured in Cambridge in car accidents, pedestrian and bicycle crashes, falls, construction and work accidents, truck accidents, and other serious personal injury cases.
- Gavagan Law’s personal injury team handles the insurance companies, identifies all responsible parties and available coverage, and documents the full effect of the injuries and financial losses.
- A Cambridge personal injury claim may include compensation for medical bills, lost income, pain and suffering, future medical care, permanent limitations, and other losses caused by the injury.
- Clients work directly with Attorney Finn Gavagan and our legal team—no call center.
Gavagan Law’s personal injury team handles the legal and insurance issues so you can focus on your medical treatment, work, family responsibilities, and recovery.
- Take over communications with the insurance companies so you do not have to manage repeated calls, requests, or pressure to accept an early settlement.
- Identify every responsible party and available insurance policy so the claim is not limited to the first insurer or coverage source identified.
- Document the full value of your injuries and losses, including medical expenses, lost income, future treatment, pain and suffering, permanent limitations, scarring, and the effect on your work and daily life.
- Respond when the insurance company disputes fault or minimizes the injury, including arguments about delayed treatment, prior medical conditions, or the seriousness of the accident.
- Negotiate for full value of the claim and file a personal injury lawsuit when litigation is necessary to pursue a fair result.
- Provide direct guidance throughout the claim so you understand the legal process, settlement options, and what happens next.
FAQs
Generally 3 years, but prompt legal action is critical to preserve evidence and pursue best possible outcome.
Massachusetts Personal Injury Protection, commonly called PIP, is generally the first source of payment for certain accident-related medical bills. PIP may pay reasonable and necessary medical expenses, up to 75% of lost wages, and certain replacement services, subject to a combined limit of $8,000 per person and the applicable insurance policy. These benefits are available regardless of who caused the accident. Learn more from the Massachusetts Division of Insurance’s overview of Personal Injury Protection benefits.
If you have health insurance, PIP generally pays the first $2,000 in accident-related medical expenses. Bills beyond the first $2,000 are ordinarily submitted to health insurance, while remaining PIP benefits may be available for qualifying expenses not paid by health insurance and for lost wages, subject to Massachusetts law and the policy. The applicable rules are addressed in M.G.L. c. 90, § 34A and the state’s coordination-of-benefits guidance.
A bodily-injury claim against the at-fault driver may also include unpaid medical expenses and other accident-related losses not fully covered by PIP or health insurance. Gavagan Law can review the PIP payment ledger, health-insurance payments, outstanding medical bills, and available bodily-injury coverage to help determine how the bills should be handled.
For a broader explanation, read Gavagan Law’s guide to car insurance after a Massachusetts car accident.
Some injuries cause immediate symptoms, while others become noticeable or worsen over the hours or days following an accident. A qualified health care provider should evaluate your symptoms, determine whether they may be related to the accident, and recommend appropriate medical care.
For a personal injury claim, it is important to document when your symptoms began, when you sought treatment, your diagnoses, and the care you received. Insurance companies may argue that delayed treatment means an injury was not caused by the accident, so accurate medical records and a clear treatment history can be important evidence.
A pre-existing injury or medical condition does not automatically prevent you from bringing a Cambridge personal injury claim. Under Massachusetts law, compensation may be available for a new injury or for the extent an accident made an existing condition worse, although not for the underlying condition itself.
Insurance companies may point to earlier treatment, prior diagnoses, or findings on medical imaging to argue that your current symptoms were already present. To address that argument, our office will likely obtain your prior records and compare your condition before and after the accident, including your prior level of activity, new or worsened symptoms, changes in medical treatment, work restrictions, diagnostic imaging, and the effect on your daily life. This evidence can help show what changed because of the accident.
The compensation available in a personal injury claim depends on the injuries, financial losses, available insurance coverage, and evidence in the case. Recoverable damages may include medical expenses, lost wages, reduced future earning capacity, pain and suffering, emotional distress, scarring, disability, loss of function, and the ways the injury has affected your daily life. Massachusetts personal injury damages can include medical expenses, pain and suffering, and lost earning capacity.
If the accident also damaged your vehicle, bicycle, or other belongings, you may have a separate property-damage claim. Gavagan Law reviews both the immediate losses and the potential long-term effects of the injury when evaluating the compensation that may be pursued.
Under Massachusetts law, you may still recover compensation if you are 50% or less at fault. Your compensation is reduced by your percentage of fault.
Gavagan Law handles personal injury cases under a contingency fee agreement. You do not pay hourly attorney fees or an upfront attorney retainer. The attorney fee is paid from the recovery only if we obtain compensation for you through a settlement or judgment. Learn more about how a contingency fee agreement works in a Massachusetts personal injury case.

