We get it–so many acronyms, so many coverages, why does something that sounds so simple need to be so complicated? Well, when dealing with expensive accidents, you need exactly the right coverage for every aspect of the accident–from your car, to property damage to medical payments. We talked about bodily injury coverage in the last blog, but that coverage extends to everyone except you. This is where Personal Injury Protection (PIP) steps in, to cover you! And the coverage covers more than just medical bills–it can also cover up to 75% of you lost wages as a result of the accident as well!

In Massachusetts, the mandatory coverage level is $8,000. So, for example, if you have $3,000 in medical bills, you would still have $5,000 in coverage leftover to make up for 75% of your lost wages. To be specific, if you lost $6,666.67 wages, you would be eligible to be reimbursed for 75% of that, which would equal the $5,000. And one benefit of PIP in Massachusetts specifically is that it’s a no-fault coverage, which means you don’t have to wait to see who is at fault to be covered, you’ll get that coverage right away! The only way you aren’t covered is if you’re driving a motorcycle and not a car–and we’ll get to that coverage in our next blog!