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Personal Injury Protection in Massachusetts

Many drivers may not be aware that under the Massachusetts No Fault law, nearly every driver and passenger in a motor vehicle, injured in an accident, is entitled to have his or her medical bills and lost wages covered up to $8,000.00. This is called Personal Injury Protection or “PIP.” If you are out of work due to an accident, PIP will pay 75% of your gross lost wages, reimburse you for your personal days used, and, in some cases, “buy back” from your employer the sick or vacation days that you were forced to use because of your injuries.

If you have lost wages, it is extremely important that you contact a lawyer as soon as possible. Many hospitals and ambulances will put in a PIP claim for their bills and you might need this money to pay rent or buy food. A good lawyer will be able to set aside monies for your lost wages before the PIP balance is exhausted paying medical

Typically, in the event that the individual carries private health insurance, the first $2,000.00 of medical bills will be covered by PIP. After that, a pot of $6,000 remains for 1) bills not covered by health insurance, 2) co-payments, 3) incidentals, and 4) lost wages. We have successively been able to have other items covered by PIP, including child car seats, taxi rides to and from medical appointments, and bicycle helmets and gear. Again, it is imperative that you contact an attorney as soon as possible, so that money remains available for these items.

If the individual has Medicare, Medicaid (Mass Health), or carries no health insurance, there is up to $8,000 available to cover the medical bills. In some cases, a vehicle may cover a Medpay policy, which provides even more funds for medical bills and lost wages.

Pedestrians and bicyclists are usually covered under the PIP coverage of the vehicle that strikes them, regardless of fault. Most motorcycle policies do not provide PIP.

Please feel free to contact us for more information.

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