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Massachusetts is one of the states practicing no-fault law. Meaning, you can get coverage for your medical expenses and other services from your insurance company even if it was your fault that there was an accident that occurred. However, you may need to file an added personal injury claim against the other party if in case there is excess in your medical expenses.
Subrogation simply means to change places with another party. Your insurer would be the one who will stand in your place. For this, the other driver must be found at fault. The other party must pay your insurer that will serve as compensation. The insurer now will be reimbursed for the money paid for your medical expenses and property injury.
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