You’ve been in a serious car accident along the busy roads of Greater Boston. The damage to your vehicle is great, but that doesn’t measure to the pain you’ve suffered from your injuries. Not only is your car totaled, but you’re about to receive numerous medical bills for thousands of dollars. Who pays for what?
The state of Massachusetts follows the “no fault” system. When injury occurs from a car accident, automobile insurance will pay up to $2,000 of the medical bills. After that $2,000, either your healthcare coverage, or P.I.P.(Personal Injury Protection) if you did not have health insurance during the accident, will cover the amount appropriate with the insurance you bought. However, P.I.P. will only cover up to $8,000.
In addition to P.I.P., Medical Payments (“MedPay”) coverage may also be available to cover medical bills. Unllike P.I.P., which is compulsory, MedPay is optional. In other words, your policy may have it but it is not required. MedPay is a good supplement to P.I.P. and healthcare coverage and having it may reduce your exposure to having to repay the costs incurred by the health insurance carrier when a case settles. [Read more…]