What does Personal Injury Protection (“PIP”) Cover?

Personal Injury Protection, or “PIP”, is part of the Compulsory Package of insurance in a Massachusetts auto insurance policy. PIP benefits are also known as No Fault benefits because it makes no difference who is legally responsible for an auto accident to get the coverage.

After an auto accident, an insurance company will pay for the following three categories of damages:

  1. Medical Bills that are reasonable and necessary to treat your injuries caused by the accident.  This includes expenses such as emergency room treatment, ambulance charges, x-rays and dental services, chiropractic and physical therapy bills, and even funeral expenses;
  2. Lost Wages up to 75% of your average weekly gross wages or the equivalent for the year ending the day before your accident; and
  3. Replacement Services which covers the reasonable payments made to anyone outside your household for necessary services that you would have performed without pay before you were injured. For example, cutting your grass or cleaning your house.

To get PIP benefits after you’ve been involved in an accident, you need to notify your insurance company about the accident, file a claim under your PIP coverage and cooperate with your insurance company.

If you are interested in learning more about PIP benefits in Massachusetts, request a copy of our book, Massachusetts Auto Accidents: The 5 Biggest Mistakes Massachusetts Consumers Make When Buying Auto Insurance.

4 comments on “What does Personal Injury Protection (“PIP”) Cover?

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