Massachusetts is one of a minority of states with a no-fault auto insurance system. After most car crashes, your own insurer pays certain costs through Personal Injury Protection (PIP) coverage, regardless of who caused the collision.
PIP provides up to $8,000 in benefits per person, covering reasonable medical expenses, a portion of lost wages (generally 75% of lost income), and replacement services. The first $2,000 of medical expenses is paid by PIP before private health insurance becomes involved.
No-fault does not mean you can never sue the at-fault driver. Massachusetts lets you step outside the system and pursue a liability claim for pain and suffering when your case meets a statutory threshold — typically more than $2,000 in reasonable medical bills, or injuries involving fractures, permanent disfigurement, or loss of a body function.
Because PIP benefits are limited and the threshold rules are technical, many injured people leave money on the table by handling claims alone. An attorney can determine whether your injuries meet the threshold and pursue the full compensation a serious injury deserves.
If you've been injured in Massachusetts, Injury Claim Team can connect you with an experienced personal injury attorney at no cost. Call 973-566-5599 any time for a free, confidential case review — there's no fee unless you win.
Injured in Massachusetts? Your free case review is one call away. Reach us at 973-566-5599 — available 24/7, no fee unless you win.