Articles Tagged with PIP insurance

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Claudine A. Cloutier 508-738-2272

Claudine A. Cloutier

Should I take a PIP Deductible?

In short – NO!  PIP or personal injury protection benefits are part of the limited no-fault system for motor vehicle crashes in Massachusetts.  If you are injured in a motor vehicle crash, unless you die, suffer a fracture, lose a body part or significant function, or a sustain disfigurement, you must incur $2,000 in medical bills in order to file a claim for pain and suffering against the negligent party.  See

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by Claudine A. Cloutier

While most people know that if you get hurt at work, you will usually be covered by workers’ compensation insurance, few people know the limitations of such coverage or that the workers’ compensation insurer has an automatic or statutory lien on any proceeds the injured person recovers against a third-party. In Massachusetts, if you are entitled to receive workers’ compensation benefits, the workers’ compensation insurer will pay you up to 60% of your lost wages based on your average weekly wage for the 52 weeks prior to your injury. The workers’ compensation insurer will also pay for any medical expenses incurred because of the accident so long as the treatment is deemed to be reasonably necessary. Workers’ compensation will not pay you for pain and suffering, generally will not cover fringe benefits — so that you may lose your health insurance coverage, and will not cover other incidental damages.

Employers are immune from lawsuits for personal injuries to their employees and employees are only entitled to receive workers’ compensation benefits. If someone other than an employer or co-employee has negligently caused the injury, the injured worker may maintain a third-party or negligence claim against that person or entity.

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By Erica L. Pereira, Esq.

All too many people have been in a situation where they get into an automobile accident, through no fault of their own, and sustain injuries as a result.  Unfortunately, dealing with the various insurance companies and their coverage issues can be a burdensome and confusing experience, especially while trying to receive treatment for your injuries.

In Massachusetts, most insured individuals have something called Personal Injury Protection (PIP) benefits.  This is a mandatory coverage which allows you to obtain payment of medical bills while you are receiving treatment for your injuries as well as payment for lost time from work.  If you are in an automobile accident where you sustain injuries, your own insurance company will provide you with PIP benefits up to $8,000.00 for payment of those expenses and missed time from work.

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