Driving under the influence of alcohol in Massachusetts can cost you more than just time in jail and your driver’s license, you could also be stuck paying your own medical bills if you’re hurt in an accident.
Personal Injury Protection benefits (“PIP”) normally covers your medical bills that are reasonably related to an auto accident regardless of your fault. If you have private health insurance, PIP will pay for the first $2,000. If you don’t have private health insurance, PIP will pay up to $8,000.
If you’re driving under the influence, though, and your drinking contributes to accident-related injuries, then your insurance company doesn’t have to pay under PIP. Your policy has a very specific exclusion that states: “We will not pay PIP benefits to…anyone contributed to his or her injury by operating an auto while under the influence of alcohol, marijuana or a narcotic drug.”
Driving a car under the influence of alcohol or drugs is just plain stupid. But, if you are injured in an accident while doing so, it can cost you more than jail time and your license – you could be footing the costs of your medical care for a long, long time.
If you are interested in learning more about PIP benefits in Massachusetts, request a copy of our book, Massachusetts Auto Accidents: The 5 Biggest Mistakes Massachusetts Consumers Make When Buying Auto Insurance.