Personal Injury Protection or PIP in Massachusetts

Author: Joshua Brabant

If you have been involved in an auto accident in Massachusetts, the insurance carrier of the person’s vehicle that you are in (PIP follows the car, not the person) will cover your medical bills and lost wages up to $8000 dollars pursuant to the vehicles PIP coverage which is a compulsory and part of all Massachusetts motor vehicle liability insurance policies. See M.G.L. c. 90, §§34A and 34M

When you have private health insurance (i.e. Blue Cross Blue Shield, Harvard Pilgrim, Aetna, Cigna, United Health Care, etc) PIP will pay the first $2000 dollars in medical bills you incur as a result of the accident and then the remaining $6,000 dollars of the PIP will be paid out after the bills are first submitted to your health insurance for consideration under M.G.L. c. 90,§34A which provides for the coordination of benefits between health insurance carriers and motor vehicle insurers. This coordination will be delineated and discussed further in future posts.

It is a requirement to complete and sign an application for Benefits-Personal Injury Protection packet so that your motor vehicle insurer will pay your medical bills and lost wages. This application is critical for processing payment of your medical bills and lost wages, and an eye for detail is key in making sure it is filled out in the most accurate way possible.

If you need help with a PIP application for a car accident, or any other personal injury issues, please call the car accident attorneys at Brabant & Huynh LLP at 617-934-0913 for your personal injury where we are located in Quincy and Dorchester and we will be glad to help you evaluate your case and ease the burden of going through the process.