Boston’s Top PIP Attorneys
Massachusetts is one of only 12 states that makes personal injury protection (PIP) mandatory for all drivers. As a “no-fault” insurance policy, PIP covers medical costs and lost wages regardless of who caused the accident.
The Bay State’s laws do differ from those elsewhere in the country; an experienced Boston PIP lawyer can help you navigate the complexity and receive the compensation to which you are rightfully entitled. If this occurs, it is vital that you contact a PIP collection attorney to advocate on your behalf. Get in contact with a PIP Local Attorney for a free consultation.
Understanding PIP Laws in Massachusetts
Massachusetts’ PIP coverage are unique in these key ways:
- Drivers must purchase a minimum of $8000 in coverage; this is one of the lowest PIP limits in the nation.
- PIP covers medical costs and lost earnings.
- The Bay State’s PIP does not cover funeral expenses.
If you are injured in an accident, PIP provides up to $8000 in medical coverage. Your actual cost and compensation depends on your deductible. For example, if you have a $1000 deductible, you will pay the first $1000 before the coverage activates for the remaining $7000.
When injuries are severe enough to interfere with your ability to work, Massachusetts PIP covers 75 percent of your lost wages. This is based on your salary for the previous year. Wage replacement is also subject to the $8000 cap. If the cost of treating your injuries was $2500, for example, and you have a $500 deductible (totaling $3000), you would be entitled to lost wage benefits of $5000 ($8000 – $3000).
It can quickly become complicated; consult with a PIP attorney in Boston for clarification and assistance in determining your best course of action.
How a Boston PIP Lawyer Can Help
If you are involved in a car accident, informing your insurance company is one of the first steps you need to take. They will provide paperwork in which you must explain the circumstances, detail the injuries you sustained, and list medical treatments you have received as a result.
In some cases, you may have to undergo an independent medical examination (IME) to provide further proof of the nature and severity of your injuries. Failure to comply may render your claim invalid.
The question is, what if your injuries exceed your PIP coverage? As a no-fault state, Massachusetts does not typically allow individuals to sue other drivers for compensation following a motor vehicle accident.
That said, if you are coping with a severe and/or life-altering injury, $8000 is quickly consumed by the cost of care, therapies, medication, and basic life essentials. The law does allow drivers to sue other motorists for higher levels of compensation. To do so, you must have suffered a traumatic injury and the other driver must be found to be at least 50 percent at fault.
The personal injury team at LaBovick LaBovick & Diaz has decades of experience fighting for clients’ rights. If your injuries warrant exceeding the boundaries of PIP, we will aggressively pursue appropriate compensation on your behalf. Find more PIP claims resources & blogs.
PIP Claims for Medical Providers
There is another side to PIP: what happens when hospitals, emergency clinics, MRI clinics, rehab centers, and other medical providers are not properly compensated for the care they deliver to injured drivers?
Insurance companies use every tactic conceivable to reduce or deny PIP claims; this is essential revenue that providers need to continue delivering quality care. It is compensation that they are owed for treating injured motorists.
Recouping PIP fees can be a battle; one of our Boston PIP attorneys is on your side, aggressively fighting large insurance companies to ensure you receive the fees that your facility deserves.
We are passionately committed to your case, which is why we never charge providers a percentage of the benefits recouped from insurers. You provide essential, life-enhancing, life-saving care; you are entitled to the full amount.
Medical providers selflessly work to care for individuals injured in car accidents; your first thought is lives. Insurance companies’ first thought is profits. Our mission: leverage our legal experience to ensure your priorities wins out, every time.
If your PIP claims have been denied or reduced, do not hesitate to contact the Law Firm of LaBovick LaBovick & Diaz.
Help for Motorists and Medical Providers
Whether you have been injured in a car accident or you have cared for someone who has, our experienced personal injury attorneys will evaluate your case, suggest next steps, and prepare a thorough, compelling case that will empower you to realize the results you need.
Fighting insurance companies can be overwhelming, intimidating, and fruitless – unless you have the right ally on your side.