If you have been injured in a pedestrian, or bicycle accident in Massachusetts by a negligently operated vehicle, you will need to know a few things.
It is the at-fault operator's insurance company that is responsible for paying for your reasonable and necessay medical expenses. They will also pay 75% of any lost wages you sustain as a result of the accident. But, the insurance company for the operator who caused the accident is only required by law to pay up to $8000.00 for your medical bills and lost wages.
With respect to compensation for pain and suffering, it is again the operator's insurance company, rather than your auto insurance carrier, that is responsible for paying you for your pain and suffering.