Personal Injury Protection is the first source of payment for most car-accident injuries in Massachusetts.
What PIP pays
Up to $8,000 for reasonable medical expenses, 75% of lost wages, and replacement services — regardless of who caused the crash. If you have health insurance, PIP may be limited to $2,000 of medical bills, with health insurance covering the rest.
When you can go beyond PIP
To bring a claim for pain and suffering against the at-fault driver, you generally need over $2,000 in reasonable medical expenses or a qualifying serious injury (M.G.L. c. 231, § 6D).
General information, not legal advice.