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What is PIP (Personal Injury Protection)


If you’re a resident of Massachusetts, it’s important to be familiar with personal injury protection (PIP) car insurance. In Massachusetts, all drivers are required to have Personal Injury Protection (PIP) insurance. PIP covers the costs of injuries you sustain in a car accident, regardless of who is at fault, PIP coverage helps pay for medical expenses and lost income after an accident. It’s a mandatory part of car insurance in Massachusetts, so everyone needs it. But what exactly is PIP coverage, and how does it work? Here’s a breakdown.

PIP coverage is mostly available in no-fault states. In these states, if the policy holder is injured in a motor vehicle accident, that person’s policy pays for the holder’s medical care regardless of who caused the accident. Policyholders with PIP coverage can receive benefits even if the other driver doesn’t have insurance. PIP auto insurance is required in Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, Utah, and Puerto Rico.

PIP coverage, in addition to making medical care affordable, often provides payments for lost income, child care, and funeral expenses related to the accident. Some no-fault states offer medical payments coverage, but it typically has low limits and does not pay for these other costs.

Minimum coverage requirements are set by the above entities’ governments and can vary. Maximums are set by insurance companies and can also vary, but they are usually no more than $25,000.

If you’re a Massachusetts driver, it’s important to be aware of the state’s personal injury protection (PIP) car insurance laws. PIP coverage is required in MA and can help pay for your medical expenses after an accident, regardless of who is at fault. To learn more about PIP and how it can benefit you, contact our office today for a free consultation. We have years of experience helping residents across the state get the compensation they deserve after an accident, and we would be happy to discuss your case with you.

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