Frequent Questions on Workers’ Compensation, Motor Vehicle Accidents, Construction Accidents, and More

PIP is the acronym for Personal Injury Protection.  PIP is a part of the standard automobile insurance policy and is governed by Massachusetts General Laws, Chapter 90 §34M.

If you are involved in a car accident, your insurance policy (or the insurance for the vehicle you were in, if not your car), through its required PIP, provides for the payment of medical bills and expenses as well as a percentage of an injured person’s lost wages if they are unable to work.  Additionally, PIP offers replacement services, which are ordinary household services you would normally do yourself, but cannot because of your injuries. (i.e., house cleaning, grass cutting, snow shoveling). 

For each person injured in the vehicle, PIP will pay up to $8,000 in benefits for medical bills (or $2,000 in medical bills if you have private health insurance) and 75 percent of any lost wages. In the case where the injured person has their own health insurance policy, PIP pays up to $2,000 of medical bills and then all medical bills beyond the $2,000 will be submitted to the private health insurance company.  PIP will, however, in most cases, cover any reasonable medical expenses that the health insurer either fails to cover or refuses to pay up to $8000.  If you have Mass Health, PIP will pay up to $8,000.

You should know that PIP is "no-fault" benefits.  This means that they are available no matter whose fault the accident was.  For example, if you were speeding and lost control of your vehicle and crashed into another vehicle on the wrong side of the road, PIP will still pay the benefits discussed above. 

Have you Been Hurt in a Massachusetts Accident?

If you, or someone you know, has been injured in an accident in Massachusetts you most likely have many questions. Feel free to call us at (508) 879-3500 or contact us online. You should take the time to speak with our legal team so we can evaluate your case for free. It just might be the best decision you make.

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: You Were in a Car Accident: How to Maximize Your Settlement. This book will provide you with information to help maximize your accident settlement. Best of all, it’s free. 

If the negligent driver that caused your injuries had insurance, but not enough to fully compensate you for your injuries, you can file a claim for further compensation against your own insurance company, provided you have “underinsured coverage”.  This portion of your auto insurance policy is optional (unlike uninsured coverage, which is mandatory).  So, you should check with your insurance agent to make sure you have enough underinsured coverage.  That way, if you are ever seriously injured by someone who has the minimum insurance coverage required by law (currently $20,000.00 per person/$40,000.00 per accident), you will have enough underinsured coverage to fully compensate you for your injuries.  

The short answer is “NO”.  After a car accident the other driver’s insurance company will definitely be calling you.  They will seem really nice and try to get a recorded statement from you.  You must remember that the insurance adjusters are trained in taking statements from accident victims.  They will try and get you to slip up and say something that will hurt your injury claim.  They do this because they are looking out for the best interest of the insurance company and to protect their insured.  They will use your statements to argue that you were either entirely at fault for the accident or a percentage at fault.  This way they can either deny your claim entirely or reduce a possible settlement by the percentage of fault they assign you.  Before speaking with the other insurance company or agreeing to give a statement, any injury victim should consult with an experienced personal injury attorney.

Have you Been Hurt in a Car Accident in Massachusetts?

If you, or someone you know, has been injured in an accident in Massachusetts you most likely have many questions. Feel free to call us at (508) 879-3500 or contact us online. You should take the time to speak with our legal team so we can evaluate your case for free. It just might be the best decision you make.

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: You Were in a Car Accident: How to Maximize Your Settlement. This book will provide you with information to help maximize your accident settlement. Best of all, it’s free. 

If the person who caused the car accident that injured you has no insurance, you are still able to pursue a claim for your injuries.  Your own auto insurance policy has “uninsured coverage”.  The uninsured coverage portion of your insurance policy is mandatory for all Massachusetts automobile insurance policies.  So if you are injured by a negligent uninsured driver, you can file a claim for injuries against your own insurance company. 

Have you Been Hurt in a Car Accident in Massachusetts?

If you, or someone you know, has been injured in an accident in Massachusetts you most likely have many questions. Feel free to call us at (508) 879-3500 or contact us online. You should take the time to speak with our legal team so we can evaluate your case for free. It just might be the best decision you make.

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: You Were in a Car Accident: How to Maximize Your Settlement. This book will provide you with information to help maximize your accident settlement. Best of all, it’s free. 

If you are injured in a car accident in Massachusetts, the Personal Injury Protection (PIP) benefits under your own auto insurance policy will pay the first $8,000.00 of your medical bills. If you have private health insurance, PIP will pay the first $2,000.00, and then the remaining medical bills will be submitted and paid by your health insurance. Once you have completed your treatment for your injuries or reached a maximum medical improvement for your injuries you will seek compensation for any medical bills over what PIP paid from the negligent driver’s insurance company.  

Have you Been Hurt in a Massachusetts Accident?

If you, or someone you know, has been injured in an accident in Massachusetts you most likely have many questions. Feel free to call us at (508) 879-3500 or contact us online. You should take the time to speak with our legal team so we can evaluate your case for free. It just might be the best decision you make.

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: You Were in a Car Accident: How to Maximize Your Settlement. This book will provide you with information to help maximize your accident settlement. Best of all, it’s free. 

You may not need a lawyer for every car accident case.  But, you should be aware that the insurance adjusters for the insurance companies are trained and educated to do everything they can to minimize the fault of their insured and to dispute your injuries. The insurance companies are in the business of making money.  It's their goal to pay you as little as possible.  It would certainly benefit you to have an experienced personal injury attorney to educate you on the injury claim process so you know what needs to be done and what to watch out for in pursuit of a fair and reasonable settlement.  

Have you Been Hurt in a Car Accident in Massachusetts?

If you, or someone you know, has been injured in an accident in Massachusetts you most likely have many questions. Feel free to call us at (508) 879-3500 or contact us online. You should take the time to speak with our legal team so we can evaluate your case for free. It just might be the best decision you make.

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: You Were in a Car Accident: How to Maximize Your Settlement. This book will provide you with information to help maximize your accident settlement. Best of all, it’s free.