Massachusetts Car Insurance
Part 2 - PIP Deductible For Massachusetts Insurance
2. Personal Injury Protection -
(PIP) Auto insurance pays up to $8,000 to you or anyone you let drive
your car, anyone living in your household, passengers and pedestrians, no
matter who causes the accident. Personal Injury Protection insurance pays for
medical expenses, replacement services and 75% of any lost wages.
Your PIP Massachusetts auto insurance coverage pays for medical expenses in excess of $2,000 that are
not paid for by your medical insurance only after these expenses have been
submitted to the medical insurer to determine what it will and will not
pay. Your PIP insurance coverage will not pay for expenses over $2,000 that
your medical insurer would have paid if the injured person had sought
treatment in accordance with the terms of your health plan.
- Your health insurance may not cover all of your medical expenses
from an auto accident such as cosmetic and dental services, co-payments
and deductibles. Also, your disability policy may have long waiting
periods. The small savings from the larger deductible may not be worth
it.
- The driver and passengers, while riding a motorcycle, are not
covered by PIP. However, the owner of the motorcycle must
purchase this coverage to protect other people who may be injured by the
motorcycle.
- You can save on your premium by excluding yourself, or yourself and
household members, from some or all of this coverage. You should
consider this option in
Massachusetts auto insurance if you have a medical and disability income plan.
The portion of each claim you have agreed not to be covered for is
called a "deductible."
*Note: Personal Injury Protection covers owners of cars and motorcycles, and members
of their households, if they are injured while occupying or struck by a
car that does not have Massachusetts Compulsory Insurance.
Back to Massachusetts Auto Insurance Coverage |
