Have you been in a Massachusetts car accident? If so, you may be entitled to Personal Injury Protection (PIP) benefits through your 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 not only covers necessary medical expenses; it can also help you with other costs related to the accident that occur within two years of the accident. Such expenses include:
- Medical bills: PIP covers reasonable and necessary medical and funeral expenses incurred within two years of the car accident.
- Lost wages: PIP covers 75 percent of lost wages caused by injuries sustained in an automobile accident.
- Replacement services: PIP covers expenses of nonfamily members to perform services that are required by the injured person. Examples include child care, home health aides, nursing expenses and other help.
PIP will pay up to $2,000 of medical expenses. Additional bills need to be submitted to your private health insurance. However, PIP would remain available for pay out-of-pocket expenses such as copayments and deductibles. If you do not have private health insurance, or insurance through an ERISA plan, Medicare, Medicaid or other public plan, then PIP will pay up to $8,000 in medical bills.
Who is covered by PIP?
- PIP covers all occupants of your automobile.
- You and all household members injured while occupying a vehicle that does not have Massachusetts compulsory insurance.
- Any pedestrians, including you, 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 and time-consuming. If you get it wrong, you may jeopardize the claim against the person who caused your injuries. If you have been injured in a car accident, it is critical to hire an experienced PIP attorney right away. The Tramontozzi Law Offices can assist you with your case and handle all aspects of your claim.
Contact John Tramontozzi today for a free consultation and ensure that you and your rights are protected.