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How PIP relates to your deductible in Massachusetts


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.
  • Your PIP will cover the deductible on your health plan. 
  • Your PIP will also contribute toward the co-pay.

When making a PIP claim, it’s crucial to follow the correct steps to make sure your expenses are reimbursed. You must notify your insurance provider once the collision occurs, and they will then send you documentation to complete. The documentation will go into depth on the accident’s circumstances, your injuries, and your current state of medical care. However, you do have up to two years from the accident date to file your documentation, so generally you should do this as soon as you can. To confirm your injuries, your insurance provider could ask you to undergo an independent medical examination (IME). Your benefits could be canceled if you don’t cooperate with the examination.

If you’ve been injured in a car accident, contact our office at 617-444-7777 for access to our free resources that can help you make a sound decision on your claim. 

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