Video: Car Accident Without Health Insurance in Massachusetts? PIP Insurance Can Cover Your Medical Bills
March 05, 2026
Transcript
Car Accident Claims in Massachusetts Without Health Insurance
What if you do not have health insurance and you are involved in a car accident? Should you still pursue a claim and file it with your insurance company because you are worried about how you are going to pay your medical bills?
The answer is yes. You should absolutely pursue the medical attention you need in order to get healthy.
Personal Injury Protection in Massachusetts
In Massachusetts, there is what is called Personal Injury Protection. This protection is afforded to anyone regardless of whether they are at fault in a motor vehicle accident.
Typically, PIP offered through your insurance carrier will pick up the first $2,000 of any medical bills that you have, up to a maximum of $8,000.
This $8,000 can cover up to 75% of your lost wages. It can cover medical bills that are paid out of pocket. It can cover co-pays if you have private health insurance.
Insurance Details Can Affect Your Benefits
There are many different nuances that can make this quite complicated. It really depends on what type of insurance you have, whether you have an ERISA plan, if you have no insurance, and what is included in your auto policy.
Speaking With an Attorney About Your Options
If you were involved in an accident, I am happy to speak with you about moving forward and how to get the care that you need without worrying about how you are going to pay for it.
You can reach me at 617-821-5856.
Again, this is Attorney Tracy Paulsen with Rightful Legal. I help injured victims of negligence throughout Massachusetts, and I am happy to speak with you anytime.
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