Personal Injury Protection "PIP" Benefits
Know Your Rights to Get the Best Recovery Possible
Personal injury protection, also known as "PIP," benefits are available to most people involved in a Massachusetts car accident. Mass. G.L. c. 90, s. 34M requires PIP benefits to be included in every Massachusetts car insurance policy.
If you are injured as a result of a car accident, PIP benefits will pay up to the first $8,000.00 of your medical bills and lost wages resulting from your injuries. There are many rules related to the distribution of PIP benefits and how much you can receive, so you should speak with a professional as soon as possible to help determine how much you may qualify for and to get your money as soon as possible.
For instance, if you have private health insurance, PIP will pay up to the first $2,000.00 in medical bills, at which point all further medical bills will go through your health insurance. PIP will then pay up to $8,000.00 total for any additional co-pays, deductibles, or lost wages.
If you have MassHealth, Medicare, an ERISA Health Plan, or no health insurance, PIP will pay up to the full $8,000.00 in medical bills and lost wages before health insurance will step in.
PIP benefits typically attach to the vehicle you were in at the time of the crash, even if you or your driver were not at fault. If you are a pedestrian or bicyclist, PIP benefits will come from the insurance company of the vehicle that hit you.
PIP may require injured people to complete an application for benefits. PIP may also require injured parties undergo an independent medical examination to determine the need for benefits.
Insurance companies are stacked with professionals whose goal is to minimize the payments they need to make to you. Speak to a professional today to make sure you also have an expert on your side. Hiring a lawyer to fight for you at no out-of-pocket cost is the smartest move you can make.
With over a decade of experience representing clients injured in car accidents, the professionals at the Law Offices of Samuel A. Segal know what it takes to get you the best recovery possible.
The time to file your claim is limited, so reach out to us today for your Free Consultation.
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