With over 110,000 auto crashes a year in the state of Massachusetts, it is a sad likelihood that you or a loved one could be severely injured in an auto accident at some point. This can be a very disturbing event, and potentially a very debilitating one. Both emotional and physical effects from an accident can significantly affect your daily life. You have prepared for this contingency by purchasing auto insurance. In the event of an accident, you expect that your insurance policy or that of the party at fault will provide whatever is needed for your continued health and well-being. However, it is important to know that the insurance companies will always try to limit the costs associated with payment of claims. With that in mind, there may be some things that the insurance representative will not tell you.