Massachusetts PIP Insurance Lawyers
When Massachusetts residents are involved in car accidents, they can usually only obtain personal injury compensation from their personal injury protection (PIP) insurance policies. State law prohibits victims from filing personal injury lawsuits unless their case fits certain exceptions.
If you were severely injured or lost a loved one in a Boston car crash, you may be entitled to more compensation than your PIP coverage provides. Our Massachusetts PIP insurance lawyers can answer your questions about PIP coverage and pursue a personal injury claim if your situation warrants it. Your initial consultation is free and we charge legal fees only after obtaining the compensation you deserve.
Call 1-877-692-3862 right now to find out how we can assist you.
PIP Coverage and Forms of Compensation
Massachusetts residents are required to purchase PIP insurance for a minimum of $8,000 to cover injuries to themselves or their passengers in an accident.
PIP policies pay medical expenses within two years of an accident as long as they are reasonable, necessary and causally related to the accident. This could include the cost for hospital stays, transportation in an ambulance, medical testing and funeral expenses.
If you have health insurance, your PIP policy will pay your claim up to $2,000. Your health insurance company will submit any expenses it does not pay to your auto insurer. If your car insurance policy includes medical payment coverage, it will cover anything not covered by your PIP policy and health insurance.
PIP insurers will not pay medical expenses if the insured driver:
- Failed to cooperate with the insurance company during the claims process
- Contributed to an injury by committing a felony or trying to avoid arrest
- Contributed to his or her injuries by driving under the influence
- Helped cause injuries by intending to injure himself, herself or others
- Chose a deductible from his or her PIP policy
- Already recovered medical expenses from a settlement or court decision
In addition to medical expenses, PIP policies pay out the following benefits:
- Lost wages - These policies will provide up to 75 percent of wages lost as a result of your injuries.
- Replacement services - This covers services that you would normally provide for free but are unable to because of your injuries. This could include child care costs or fees for delivering groceries to your home.
Contact our Massachusetts PIP insurance lawyers today. Call 1-877-692-3862.
State Laws on Car Accident Claims
Massachusetts is a no-fault state, which means drivers must purchase PIP insurance to cover economic and non-economic damages from a car accident up to their policy limits. Drivers' personal injury damages are covered regardless of who was at fault for the crash.
One of the purposes of a no-fault system is to streamline the process for obtaining compensation after a car accident. Drivers do not have to worry about their claims being denied because of a dispute about fault in the accident.
However, in exchange for guaranteed compensation, drivers forfeit their right to pursue a personal injury claim unless their situation meets two criteria:
- They have more than $2,000 in reasonable expenses to treat their injuries.
- They suffered severe injuries, such as permanent disfigurement, fractures, loss of a partial or full body part, or loss of vision or hearing or both.
State law is a bit vague on what constitutes a severe injury, so there may be room to negotiate about whether your claim should remain in the no-fault system.
This is where an experienced Massachusetts PIP insurance lawyer can help. Our attorneys are intimately familiar with Massachusetts' no-fault system and PIP insurance and we know when car accident victims should be allowed to file a personal injury claim.
Complete a Free Case Evaluation form today.
Contact Our Massachusetts PIP Insurance Lawyers Today
The most important things after a car accident are your health and safety. That is why your first priority is to seek medical treatment for your injuries.
After you have received treatment, contact your insurance company and cooperate with them throughout the claims process.
If you encounter any problems while trying to obtain benefits from your PIP policy, contact our Massachusetts PIP insurance lawyers. We can answer any questions you have and possibly pursue legal action if you are wrongfully denied benefits.
Also, if your PIP benefits do not cover all of the costs from your injury, we may be able to file a personal injury lawsuit to recover more compensation.
Our priority is to obtain all of the compensation you deserve after an accident. Our personal injury lawyers in Boston have helped many car accident victims obtain fair compensation to help them recover from their severe injuries and get back on their feet financially, physically and emotionally.
Our Massachusetts PIP insurance lawyers offer a free, no obligation consultation and have the skill and resources to thoroughly investigate your claim. If a settlement is not possible, we can take your case to court to achieve a fair resolution.