If you’re hurt in a car accident in Massachusetts, your options for pursuing compensation for the resulting damages may be limited. This is because Massachusetts has a no-fault insurance system, which means those who sustained injuries from accidents typically have to go through their own insurance provider, regardless of fault, to secure funds for their losses. For this reason, all motorists are required to purchase personal injury protection (PIP). Here is what you should know about PIP if you're involved in a wreck. 

What Does PIP Cover?

In Massachusetts, motorists are legally obligated to purchase personal injury protection (PIP) as a component of their automobile insurance. In the event of an accident, this coverage will apply to medical expenses and lost wages. Depending on the terms of your health plan, however, your auto insurer may or may not have to cover hospital bills. However, if the injuries are severe enough to keep you out of work, PIP coverage could prove to be invaluable because it may cover a portion of your lost income up to the policy limit. 

When Can I Bypass the State’s No-Fault System?

Although no-fault coverage can certainly simplify things following minor collisions, it poses several issues for those who sustain serious injuries. Thankfully, there are scenarios in which accident victims may hold those who are liable for their injuries financially accountable. Generally, those who incur more than $2,000 in reasonable medical costs or sustain injuries that cause permanent disfigurement or disability may file a third-party claim with the at-fault party’s insurer.

If the insurer disputes a claim, a claimant may also have the option of filing a personal injury lawsuit within the applicable statute of limitations. In Massachusetts, recoverable damages include loss of future earning capacity, property damage, home care, alternative transportation, domestic help, pain and suffering, emotional distress, and loss of enjoyment in life. 

If you were hurt in a wreck through no fault of your own, the personal injury attorneys at Bellotti Law Group, PC can evaluate the situation to determine if you’re entitled to file a claim. Located in the Greater Boston area, this firm was founded in 1989 and has been providing comprehensive counsel ever since. Their areas of expertise include civil litigation, family law, criminal defense, estate planning, and workers’ compensation. To request a consultation, call (617) 778-1000 or visit their website to read more about their personal injury experience.