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Goldberg & Weigand, LLP
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Cape Cod Personal Injury Blog

What the heck is PIP?

PIP stands for 'Personal Injury Protection'. It's a mandatory feature of auto liability insurance policies written in Massachusetts. If you've been injured in a motor vehicle accident, you are entitled to coverage for your own medical expenses, lost wages and other expenses, no matter who was at fault. Your passengers are also covered by PIP benefits if they've been hurt.

There are a few things to keep in mind regarding your PIP coverage.  If you have private health insurance  (anything other than Medicare or Mass Health), PIP will pay up to $2,000 in benefits before deferring the balance of your medical expenses to your health insurance carrier.  If you do NOT have private insurance, PIP will cover up to $8,000 in medical, lost wages and other related expenses. Keep in mind that in order to reduce premium costs, some insurers offer a deductible to reduce or effectively eliminate PIP benefits. Be sure to check with your insurance agent or carrier about your coverage.

The tricky part about getting the most out of your PIP benefits is managing how and when expenses are submitted for payment, in order to maximize your benefits.  If you have good health insurance, for instance, it may make sense to submit your lost wages to PIP for payment first, in the event that you are out of work for a period of time.  Once your PIP threshold is reached, your medical claims can be submitted to your health insurance carrier for payment.  We will often ask medical providers to wait for payment until they can submit to a health insurer after the PIP coverage is exhausted. We are able to do this because of our reputation in the field and our working relationship with most of the region's health care providers. Simply put, we carry more clout than you do on your own.

Dealing with insurance companies is stressful enough when you're at your best. Having an experienced attorney on your side can help you to get the maximum benefits to which you are entitled in your particular situation.

Check out the Motor Vehicle Accident category for more information on related topics, and sign up on our home page to be notified when we post new content.

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