Personal injury protection or PIP, as it is often referred to, is a form of car insurance that will cover expenses such as medical bills for injuries sustained in a car accident. In some cases, PIP will cover lost wages for those that are unable to return to work after being injured in a car accident.
In Massachusetts, your PIP coverage will provide monetary compensation up to $8,000.00 if you are injured in a car accident. This money is meant to cover three types of expenses: medical bills for injuries incurred within two years of an accident, lost wages up to $75%, and replacement services which pay for a non-family member to care for the injured and his or her family members.
In order to obtain PIP benefits you must cooperate with your insurance company. This may include filling out the proper PIP application, going to a doctor chosen by the insurance company for a medical exam, and providing proof of your loss. This may require submitting medical bills and lost wage information. You may also be required to give a statement under oath about your injuries. Failure to comply with the insurance company could result in the denial of your claim.
Specific state regulations regarding PIP may vary. In some cases PIP will not cover those injured while riding a motorcycle and may not cover pedestrians or bicyclists injured by an automobile.
There are time limits you must adhere to in order to collect your personal injury protection benefits. For more information, please fill out the form on this website for a free evaluation by one of our attorneys.