Personal injury protection (PIP) insurance coverage provides motorists with compensation after some collisions in Massachusetts. Massachusetts requires all motorists to carry this kind of insurance policy, which may cover up to $8,000 in damages.
A Boston car accident lawyer can provide more information about PIP coverage. An attorney can also help clients secure compensation through other forms of insurance coverage or a personal injury lawsuit.
What Is Personal Injury Protection in Massachusetts?
PIP coverage gives drivers and passengers an option to secure compensation after a collision. Understanding auto insurance can help you feel more comfortable drawing on this form of insurance for compensation.
PIP insurance functions as a no-fault benefit. Therefore, your insurer may provide you with compensation through this policy no matter who caused your car accident. You may draw PIP benefits even if you cause a collision in Massachusetts.
What Compensation Do You Get Through PIP in Massachusetts?
PIP policies in Massachusetts can cover up to $8,000 in losses after an accident. This amount of compensation can be split between your:
Medical Expenses
Generally, this policy will pay for your first $8,000 in medical expenses if you do not carry private health insurance. If you do have private health insurance, PIP may cover $2,000 of medical expenses.
PIP coverage may also cover co-pays and deductibles. However, your health insurance company may have to cover many of your losses.
Lost Wages
PIP insurance in Massachusetts may cover up to 75% of your gross weekly pay if a physician says you can’t return to work after an accident. In some cases, you may have a chance to claim lost “earning power” through PIP coverage.
Funeral Expenses
Your family may receive money for funeral expenses through PIP insurance in Massachusetts. You can use these funds to cover funeral and burial costs in the event of a fatal accident.
Replacement Services
Finally, PIP coverage may provide you with money for “replacement services.” This money helps pay for expenses tied to household tasks that you can’t complete while recovering from your injuries.
For example, you may receive money to pay for cleaning services or lawn care. If you have more questions about what personal injury protection (PIP) coverage is in Massachusetts, you can reach out to a car accident lawyer.
What’s the Total Money Available Through PIP Coverage in Massachusetts?
The total amount of money available through PIP coverage is $8,000. The insurance company can divide this money between your lost pay, medical bills, funeral expenses, and replacement services, but will not exceed this amount.
What About Your Other Financial Losses?
You may have many other expenses after a car accident, and a lawyer can discuss additional methods to secure fair compensation. Filing a claim against the at-fault driver’s insurance company or filing a personal injury lawsuit can help with these losses.
Medical bills often far exceed $8,000 on their own. A lawyer can assist as you seek compensation to fully cover the costs of your:
- Emergency medical care
- Time in the hospital
- Medical assessments (including MRIs and X-rays)
- Medications, rehabilitation, and physical therapy
Additionally, working with a lawyer can help with the non-economic costs of your accident. A legal team can assess the impacts of your emotional pain and suffering, factoring these losses into your claim for compensation.
You may qualify for funds to cover the pain you feel when going about your everyday life, as well as the mental anguish caused by a crash. Loss of consortium may also factor into your car accident claim.
Find out what you need to know about pain and suffering damages in Boston, Massachusetts, with a legal team.
Does Everyone Qualify for PIP Coverage?
PIP policies provide financial compensation for many drivers after accidents in Massachusetts, but exceptions can occur. For example, PIP coverage may not apply for:
- Drivers under the influence of alcohol or drugs at the time of a crash
- Drivers who deliberately cause collisions
- Drivers operating a motorcycle
- Rideshare, car share, or transportation network drivers
Additionally, drivers who were working at the time of a crash may not qualify for PIP compensation. Instead, Massachusetts may expect these drivers to seek compensation through the workers’ compensation system.
You can learn more about this situation with a Boston workers’ compensation lawyer. An attorney can also provide more information about what personal injury protection (PIP) coverage is in Massachusetts.
What Other Insurance Do You Need in Massachusetts?
In addition to PIP coverage, Massachusetts requires most motorists to carry insurance policies to cover:
- Damage to another person’s property
- Bodily injury to other parties
- Injuries caused by uninsured motorists
Motorists may also purchase collision and comprehensive coverage policies to get additional protections for their losses. Motorists can purchase policies at different levels, allowing them to personalize the coverage they receive.
Find Out What Massachusetts Personal Injury Protection (PIP) Coverage Is
What is personal injury protection (PIP) coverage in Massachusetts? PIP coverage is a type of insurance that covers up to $8,000 in a motorist’s losses after most collisions. You may need to file another claim to get total compensation for your losses.
You can learn more about your options with our team at Jason Stone Injury Lawyers. You can contact us immediately after a crash, and we’ll always get back to you within 24 hours as part of our Stone Cold Guarantee®.
You can learn more when you call or complete our online contact form.
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