If you are hurt in a car accident, PIP will cover your medical expenses up to $8,000 after deducting your deductible. For instance, if you choose a $1,000 deductible, you would be responsible for the first $1,000 of expenses and would only be reimbursed for the remaining $7,000 of expenses. Your monthly premium will be reduced as a result of the deductible; we go into more detail about this benefit below. Each member of your household is entitled to $8,000 worth of coverage under the policy.
However, your auto insurance provider is not required to give you the $8,000 if you have a private, non-ERISA health plan. In Massachusetts, you have the right to at least $2,000 in coverage, although typically, the remaining $6,000 can only be used for medical expenses if:
- The medical expenses associated with the car accident are not covered by your health insurance.