Massachusetts Personal Injury Library
Massachusetts Personal Injury Protection Coverage
What is Personal Injury Protection Coverage?
In Massachusetts, it is required to have Personal Injury Protection (PIP) coverage included in your motor vehicle insurance policy. PIP coverage is also known as no fault car insurance and can protect you in a number of circumstances.
PIP coverage can provide up to $8,000 for related medical costs, lost time and wages from work, and vehicle replacement options after a car accident. Typically, reasonable medical costs are roughly $2,000 total per person. This coverage can also protect against wrongful death and property damage claims involved in the personal injury process.
The Benefits of PIP Coverage
PIP coverage is of significant help to someone who is injured in a car accident because it covers costs that might not be covered by one's health insurance company.
In the event of an accident resulting in injury, this type of coverage will be paid by one's insurance company to cover medical costs directly related to the accident. This coverage extends to anyone in your vehicle at the time of the accident who was injured and will not take into account who is liable for the crash.
Another example in which PIP coverage can be applied to cover reasonable medical costs is in the event a pedestrian walking along the roadway is struck by a car. PIP coverage would pay certain costs on behalf of the injured pedestrian.
This beneficial coverage can also be of help if the driver does not carry health insurance or if coverage has been denied by their health insurance carrier. Unfortunately, PIP coverage is not available for motorcyclists.
Property Damage Claims: How PIP Coverage Can Help
There usually is some kind of property damage after a car accident. Because of this reality, PIP coverage can be very valuable to a policyholder in order to repair or replace certain damaged property.
Prior to filing a claim for property damage after an accident, try to verify what property is covered and what isn't covered under your insurance policy. You should also verify the total cost of damages incurred before filing any claim.
The following areas that may become damaged in an accident are also typically covered by PIP insurance:
- Land
- Real Property (house, shed, other buildings on the property)
- Personal Property
Because PIP insurance only covers certain types of costs besides damage to your vehicle, consider speaking with a personal injury lawyer regarding your potential property damage claims.
When to Contact a Massachusetts Personal Injury Lawyer
If your child has been injured in a car accident in Massachusetts due to a reckless driver, BEFORE you sign any forms, talk to the insurance company or hire a lawyer, contact a Boston car accident lawyer with Kiley Law Group to find out about your legal options.
Thomas Kiley, also known as the “Million Dollar Man“, has over 30 years of experience and a successful track record of obtaining seven figure wins for clients in auto accident cases, medical malpractice, child birth injuries, brain injuries, and other personal injury cases.
Call 1-888-208-1695 to receive your FREE legal consultation today. And while the call is free, the information may be priceless.
