When you’re involved in a motor vehicle accident in Massachusetts, Personal Injury Protection (PIP) coverage can play a crucial role in covering your medical expenses and lost wages. Whether you have private health insurance or public health insurance, understanding how PIP works is essential to protect your rights and finances.
PIP is a no-fault insurance benefit included in all Massachusetts auto insurance policies. This means it is available to cover certain expenses regardless of who caused the accident. PIP provides up to $8,000 for medical expenses, lost wages, co-pays, deductibles, and other related costs.
If you have private health insurance, PIP generally covers the first $2,000 of medical expenses. After that, your private health insurance will typically take over. However, if your health insurance doesn’t cover specific treatments, co-pays, or deductibles, PIP may continue to pay until you reach the $8,000 limit.
For those with public health insurance, such as MassHealth or Medicare, PIP may cover up to the full $8,000 for medical expenses, lost wages, co-pays, and deductibles. For example, if you are enrolled in MassHealth, PIP benefits can provide significant relief by covering immediate expenses before MassHealth coverage is used. Public health insurance typically does not come into play until PIP benefits are exhausted.
Even with PIP, you may still face significant out-of-pocket expenses, especially if your injuries are severe. That’s why consulting a personal injury attorney can be invaluable. An attorney can help you navigate the complexities of insurance claims, ensuring you receive the compensation you deserve for your injuries, pain and suffering, and other damages.
If you’ve been injured in a motor vehicle accident, don’t hesitate to explore your rights. PIP is just the starting point in recovering from the financial impact of an accident.
Call the Law Offices of Scott M. Syat, P.C. at (617)773-3500. We look forward to helping you!