If you’ve been injured in a car accident in Massachusetts — whether in Boston, Framingham, or anywhere in the Metrowest area — it's essential to understand how your medical bills are paid. Many of our clients are concerned about their medical bills, especially considering how expensive medical treatment is nowadays. Making sure medical bills are paid or covered is always important.
When addressing medical bills for treatment of injuries suffered in a car accident in Massachusetts, you must understand how Personal Injury Protection (PIP) benefits work and how a Massachusetts car accident lawyer can help protect your rights.
Our Framingham Car Accident Lawyers Are Standing By To Evaluate Your Case for Free and Explain How We Can Get You The Compensation You Deserve
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What Is Personal Injury Protection (PIP)?
Under Massachusetts law, PIP benefits are provided by your own auto insurance policy (or the vehicle you occupied at the time of the crash) and cover up to $8,000 in medical expenses and lost wages after a car crash, regardless of who was at fault. That is why PIP benefits are regarded as “No-Fault Benefits”.
- If you do not have health insurance or don’t have private health insurance (i.e., MassHealth or Medicare), PIP will cover up to $8,000 in medical bills.
- If you do have private health insurance, PIP typically pays the first $2,000 in medical expenses. After that, your remaining bills are submitted to your health insurer for payment.
This system is designed to ensure prompt payment of medical expenses following an accident, but navigating it can still be confusing without legal guidance.
What Happens After You Finish Treatment?
Once you have either completed medical treatment or reached what doctors call maximum medical improvement (MMI), your case may shift from insurance coverage to pursuing compensation for your economic damages (medical bills) and non-economic damages (pain and suffering) through your personal injury claim. This will also include dealing with and negotiating health insurance liens.
Through your injury claim, you can seek compensation from the at-fault, negligent driver’s insurance company for:
- Medical expenses not covered by PIP or your health insurer
- Lost wages
- Pain and suffering
- Permanent injury or disability
This is where having an experienced Framingham car accident lawyer or Boston car accident attorney becomes crucial.
Why You Need a Car Accident Lawyer in Massachusetts
The insurance companies are not your friends and are focused on denying or minimizing payouts. A skilled Massachusetts car accident attorney — especially one familiar with local courts and insurers in Massachusetts, including Framingham, Boston, and the Metrowest region — can:
- Ensure all PIP benefits are properly coordinated
- Help you gather medical records and bills
- Negotiate with the at-fault driver’s insurer for a fair settlement
- Represent you in court if necessary
Speak With an Experienced Massachusetts Car Accident Attorney Today
Whether your accident happened in Framingham, Natick, Newton, or Boston, our firm is ready to help. We have deep experience representing accident victims throughout the Metrowest area and across Massachusetts, and we fight to recover the full compensation you deserve.
📞 Call us today at (508) 879-3500 or Contact Us Online to schedule your free consultation today.
Frequently Asked Questions (FAQ)
How long do I have to file a car accident claim in Massachusetts?
You generally have three years from the date of the accident to file a personal injury lawsuit, but it’s best to consult a car accident lawyer as soon as possible.
Can I recover damages if I was partially at fault?
Yes. Under Massachusetts' comparative negligence rule, you can recover damages as long as you were less than 51% at fault for the accident. Your compensation may be reduced by your percentage of fault.
What if the other driver is uninsured?
You may still be able to recover compensation through your uninsured motorist coverage (UM coverage), which is required in all Massachusetts auto policies.
What areas do your car accident lawyers serve?
We serve clients throughout Massachusetts including the Boston, Framingham, and the entire Metrowest areas of Massachusetts.
How much does it cost to hire a car accident lawyer in Massachusetts?
Most Massachusetts car accident attorneys, including our firm, work on a contingency fee basis. That means you pay nothing unless we recover compensation for you.
Don’t forget, for answers to many questions and great information on how to get the best possible settlement in your accident case, get a copy of our book: 