In 2008 the motorist advocacy group
AAA said accidents cost $164.2 billion each year. Much of this cost relates to medical treatment for injuries and lost
wages suffered by those injured in motor vehicle accidents. If you were
injured in a car accident you should know how your medical bills will get paid.
Massachusetts law requires drivers to carry enough personal injury protection
(PIP) to cover the first $2,000 in medical expenses. The expenses beyond
this are paid by your own health insurance coverage. However, if you do
not have health insurance or if your claim is denied, then PIP will continue
to cover up to a total limit of $8,000 for combined medical treatment
and lost wages. PIP will of course only pay for medical treatment which
is reasonable, necessary and related to injuries arising out of the motor
vehicle accident. PIP does not cover
The PIP insurance company responsible is the insurer of the car you were
in at the time of the accident. Therefore, both the driver and any passengers
are covered by this carrier even if they may have a separate auto insurance
policy covering their own motor vehicles. Further, PIP is"no fault"
insurance because each driver is covered by their own insurance company
even if the accident was his or her fault.
For medical expenses beyond $8,000 many people have the optional medical
payment (MedPay) insurance coverage. Insurance companies are required
to offer at least $5,000 of MedPay coverage, but there is no requirement
to purchase it. MedPay covers health costs after personal injury protection
(PIP) coverage has been exhausted. It pays for "reasonable expenses
for necessary medical and funeral services incurred as a result of an
accident." Those expenses cover the insured as well as anyone occupying
his or her vehicle at the time of the car accident.
If you were injured in a
motor vehicle accident you should immediately consult with an experienced Massachusetts personal
injury attorney to determine the coverage available to pay your medical bills.