In the aftermath of a car accident, dealing with injuries and medical expenses can be overwhelming. However, if you live in Massachusetts, you may have an important resource at your disposal – Personal Injury Protection (PIP) benefits. PIP is a mandatory insurance coverage that provides financial assistance for medical expenses and lost wages resulting from a car accident, regardless of who was at fault. In this blog, we will delve into the details of PIP benefits in Massachusetts, helping you understand their significance and how they can support you during a challenging time.

Coverage Limit:

In Massachusetts, PIP benefits typically cover up to $8,000 per person for medical expenses and lost wages resulting from a car accident. However, it’s important to review your specific insurance policy, as coverage limits can vary. Some policies may offer higher coverage limits, allowing for greater financial protection.

Medical Expenses:

One of the primary benefits of PIP coverage is the reimbursement of medical expenses.  Regardless of whether you have health insurance, PIP is responsible to cover the first $2,000.00 of any medical expenses. These can include hospital bills, doctor visits, surgeries, prescription medications, and necessary rehabilitative services. PIP benefits can also cover reasonable expenses for services such as chiropractic treatment, physical therapy, and acupuncture, among others. It’s crucial to keep detailed records of all medical expenses and provide them to your insurance company when making a claim.

Lost Wages:

If you are unable to work due to injuries sustained in a car accident, PIP benefits can help compensate for the income you may have lost. PIP coverage typically provides reimbursement for 75% of your lost wages, up to the policy’s limits.  Although this is less than your full wages, the PIP wages are not subject to income taxes and therefore usually come close to your full take home pay. This financial support can alleviate some of the stress associated with being unable to work and help you focus on your recovery.

Household Services:

In addition to medical expenses and lost wages, PIP benefits in Massachusetts may also cover reasonable expenses for necessary household services that you are unable to perform due to your injuries. This can include hiring someone to assist with household chores, childcare, or other essential tasks that you would typically handle yourself. It’s important to keep records and receipts for these services to support your claim.

Coordination of Benefits:

In Massachusetts, PIP benefits are subject to coordination of benefits rules. As noted above, PIP will pay the first $2,000.00 in medical expenses.  After the first $2,000.00 medical expenses will be paid primarily through your private health insurance plan.  If not covered by such health plan, such as co-pays or out of network services, those bills will be submitted to PIP for payment, up to the maximum allowable under PIP which is $8,000.00.  If you don’t have a private health insurance plan (i.e., no health insurance or publicly provided insurance, like MassHealth or Medicare), then there is no coordination of benefits and PIP is available to pay up to the maximum of $8,000.00.

Time Limitations:

When it comes to filing a PIP claim, it’s important to be aware of the time limitations set by the Massachusetts Auto Insurance Policy. Generally, you should notify your insurance company as soon as possible after the accident and provide the necessary documentation to support your claim. Failure to meet these deadlines may result in the denial or reduction of your benefits. Consult your insurance policy or speak with your insurance provider to understand the specific timelines and requirements for filing a PIP claim.  A very important time limit is that PIP will only pay for medical expenses incurred for a period of two years after the date of the accident.


Personal Injury Protection (PIP) benefits are a valuable resource for individuals injured in car accidents in Massachusetts. These benefits offer financial assistance for medical expenses, lost wages, and essential household services, regardless of fault. Understanding the coverage limits, claim procedures, and coordination of benefits rules is crucial for maximizing the benefits available to you. In the aftermath of a car accident, don’t forget to explore and utilize the PIP benefits provided by your insurance policy to support your recovery and help alleviate the financial burden.