July 2011

MORE INFORMATION: I recently suffered an injury in a car accident on Route 9 in Framingham, MA.  The other driver was cited for speeding.  In general, under Massachusetts law, how do I know if I can sue for damages? ATTORNEY ANSWER: You have two claims.  The first is through your own automobile insurance policy, through PIP, which stands for Personal Injury Protection.  This will cover your out of pocket expense for medical bills, usually up to $2,000.00.  Then if you have health insurance, your medical bills in excess of $2,000.00 will be submitted to the health insurance carrier.  Any medical bill which is not covered by health insurance, gets covered again by PIP, up to another $6,000.00.  An exception to this is if you have Medical Payments coverage.  In that event, the medical bills will get submitted to Medical Payments coverage before getting submitted to the health insurance carrier, after the first $2,000.00 on PIP is exhausted.