PIP coverage in Massachusetts is a protection that falls under your car insurance policy. “PIP” stands for “personal injury protection.” Massachusetts requires that your insurance company include this coverage in your auto policy.
While fault in an accident may affect some claims, it does not affect a Person Injury Protection claim. This policy will pay regardless of which driver is found to be at fault. Let’s take a look at some quick facts about PIP.
What will PIP pay for?
- Medical expenses
- Loss wages
- Loss of services
- Funeral expenses
(All of these have certain limits up to which an insurance company will pay.)
Who is covered under PIP?
- The insured individual
- Passengers in the insured individual’s vehicle
- Pedestrians hit by an insured vehicle
- Family members living in the insured individual’s household
What are some examples of when PIP will not pay for an injured, insured individual?
- If the individual is part of a worker’s comp claim
- If the individual intentionally sought to harm himself/herself
- If the individual was injured while committing a felony
- If the injury occurred due to the individual being under the influence
When should you speak with an attorney about your accident?
As soon as possible. The sooner you speak with an attorney about your accident, the sooner you find out all of your options and legal recourse.
If you’ve been in an auto accident in Massachusetts and would like a free evaluation of your case, please contact us. We will help you sort through your options and navigate the complexities of the law.