Legal Notice: This document outlines mandatory PIP coverage under Massachusetts state law.
Basic Coverage
Every motor vehicle registered in Massachusetts must carry PIP insurance. This covers you, your passengers, and pedestrians if you’re in an accident – no questions asked about who caused it.
Money Available: $8,000 per person per accident
What You Get:
- Doctor bills
- Hospital stays
- Ambulance rides
- Physical therapy
- Lost wages (up to 75% of what you normally make)
- Help around the house if you’re laid up
Important: If you have health insurance, PIP pays the first $2,000 in medical bills. After that, your health insurance kicks in. No health insurance? PIP covers up to the full $8,000.
Exceptions
PIP doesn’t cover:
- Motorcycle riders or passengers
- Racing events
- Intentional accidents
Special Rules
You generally can’t sue the other driver unless:
- Your medical bills exceed $2,000
- You break a bone
- You suffer permanent disfigurement
- You lose hearing or sight
Note: Other people involved in accidents with your car (like pedestrians) can usually get PIP benefits under your policy.
Additional Protection
While PIP is required, smart drivers often add:
- Coverage for uninsured drivers
- Extra bodily injury protection
- Expanded collision coverage
Questions? Contact your insurance agent or the Massachusetts Division of Insurance.
