Personal Injury Protection (PIP)

Melrose, Massachusetts Personal Injury Protection (PIP) Attorney Serving Clients in Middlesex County, Essex County

What Is Massachusetts Personal Injury Protection Coverage?

Have you been in a Massachusetts car accident? If so, you may be entitled to Personal Injury Protection (PIP or no-fault insurance) benefits through your own insurance company. You can make a claim for this benefit regardless of whether you or your car was the cause of the accident.

Personal injury protection (PIP) not only covers reasonable and necessary medical and hospital expenses, it can also help you with other costs related to the accident that occur within two years of the accident. Such expenses include:

  1. Medical bills: PIP covers reasonable and necessary medical and funeral expenses incurred within two years of the car accident.
  2. Lost wages: PIP covers 75 percent of lost wages caused by injuries sustained in an automobile accident.
  3. Replacement services: PIP pays for reasonable expenses to pay nonfamily members to perform services that the injured person would otherwise have performed for the benefit of himself or herself and/or family members of his or her household. Such examples could include child care, home health aides, nursing expenses and other help, which is reasonable and necessary.

When it comes to Medical bills, PIP will pay the first $2,000 of medical expenses. Any additional bills would be submitted to your private health insurance for payment. However, PIP would remain available to pay out-of-pocket expenses such as copayments and deductibles. If you do not have private health insurance, have health insurance through an ERISA plan, Medicare, Medicaid or other public plan, then PIP will pay up to $8,000 in medical bills. Bills must be incurred within two years from the date of the accident.

Have you been in a Massachusetts car accident? If so, you may be entitled to Personal Injury Protection (PIP or no-fault insurance) benefits through your own insurance company. You can make a claim for this benefit regardless of whether you or your car was the cause of the accident.

Personal injury protection (PIP) not only covers reasonable and necessary medical and hospital expenses, it can also help you with other costs related to the accident that occur within two years of the accident. Such expenses include:

  1. Medical bills: PIP covers reasonable and necessary medical and funeral expenses incurred within two years of the car accident.
  2. Lost wages: PIP covers 75 percent of lost wages caused by injuries sustained in an automobile accident.
  3. Replacement services: PIP pays for reasonable expenses to pay nonfamily members to perform services that the injured person would otherwise have performed for the benefit of himself or herself and/or family members of his or her household. Such examples could include child care, home health aides, nursing expenses and other help, which is reasonable and necessary.

When it comes to Medical bills, PIP will pay the first $2,000 of medical expenses. Any additional bills would be submitted to your private health insurance for payment. However, PIP would remain available to pay out-of-pocket expenses such as copayments and deductibles. If you do not have private health insurance, have health insurance through an ERISA plan, Medicare, Medicaid or other public plan, then PIP will pay up to $8,000 in medical bills. Bills must be incurred within two years from the date of the accident.

Who is covered by PIP?

  1. PIP covers all occupants of your automobile.
  2. You and all household members if injured while occupying a vehicle that does not have Massachusetts compulsory insurance.
  3. Any pedestrians, including you, who are injured by a vehicle that does not have insurance or leaves the scene of the accident.

Recovering money through a PIP claim can be complicated, time-consuming and very confusing. You must coordinate your medical expenses between PIP, private health insurance and the third party responsible for the accident. If you get it wrong, you may jeopardize your bodily injury claim against the person who caused your injuries. That is why Tramontozzi Law will also handle all aspects of your PIP claim, at no additional charge to you, as part of the bodily injury claim against the person that caused your injuries that we handle on your behalf.

Other important facts about PIP that Tramontozzi Law Offices will help you with:

  • You must cooperate with the PIP insurer in order to obtain benefits.
  • The insurance company will send you a PIP form. You must fill out, sign and submit the completed PIP form to the insurance company.
  • The PIP insurer has the right to have you examined by a doctor selected by the insurer.
  • Proof of your losses must be submitted to the PIP insurer.
  • The PIP insurer has the right to obtain your statement under oath. If you have been injured in a car accident, it is critical to retain an experienced auto accident attorney right away.

Failure to cooperate with the insurance company may result in denial of your claim. This duty of cooperation applies to uninsured and underinsured claims as well.

If you have been injured in a car accident, it is critical to retain an experienced auto accident attorney right away.

Time is of the essence when it comes to car accident cases; John Tramontozzi is available to work for you right away. By contacting us immediately, we will ensure that your rights are protected as quickly as possible. We have flexible office hours and we will fight for you. You will receive exceptional legal representation.

Free Consultation and No Attorneys’ Fees If You Don’t Recover Money

Contact the Tramontozzi Law Offices at 781-665-0099 or contact us by email with a brief description of your accident and circumstances. We will call you back to arrange a free case evaluation.