What are Personal Injury Protection Benefits?

In Massachusetts, all automobile insurance policies include Personal Injury Protection, otherwise known as “PIP,” benefits. PIP benefits pay up to $8,000.00 to cover reasonable and necessary medical bills and lost wages and are “no-fault” insurance benefits, which means an injured party can receive PIP benefits regardless of who was at fault for causing the accident. Generally, an injured party is entitled to PIP coverage from the insurance policy covering the automobile the injury part was in at the time of the accident.

Whether or not an injured party has private health insurance will alter how PIP benefits are paid. If an injured party has private health insurance, PIP will pay for the first $2,000.00 of medical bills incurred. However, subsequent medical bills must be submitted to the private health insurance carrier and only out of pocket expenses, such as copayments and deductibles, and unpaid bills by the carrier may be submitted back to PIP for potential payment up to $8,000.00.

If an injured party receives insurance through the Commonwealth of Massachusetts such as MassHealth, or does not have health insurance, PIP will pay the full $8,000.00 before medical bills must be submitted to the insurance carrier.

PIP benefits do not compensate an injured party for pain and suffering. Instead, in order to receive this compensation, what is known as a “bodily injury claim” must generally be pursued with the company insuring the person who caused the accident.

It is important to know that failure to cooperative with the PIP insurance carrier can result in a denial of PIP benefits entirely and in order to start the process of receiving PIP benefits an application must be completed and returned to the insurance company. The application can appear daunting and if completed inaccurately can jeopardize a future claim with the at-fault carrier or person who caused the accident.

Burke Law, PLLC is here to help. It is Attorney Katelyn Burke’s goal to make injured parties financially whole again and be compensated for that pain and suffering. As a result, Attorney Burke will assist in coordinating medical bill payments through PIP and insurance carriers in addition to pursuing compensation for pain and suffering through a bodily injury claim.

If you, or someone you know, has been injured as a result of a motor vehicle accident contact Burke Law, PLLC today for a free initial consultation.