I was in an accident in New Bedford, Massachusetts and I seriously hurt my shoulder. My rotator cuff was torn and I need surgery. How will my medical bills be paid?

If you’ve been hurt in a Massachusetts car accident and you have a Massachusetts auto insurance policy, then as part of your “compulsory coverage” you have benefits known as Personal Injury Protection (“PIP” for short) under Part 2 of your policy.

PIP pays for reasonable and necessary medical expenses caused in a car accident no matter who is at fault. So even if you caused the accident, you will still have PIP coverage to pay your medical bills.

If you have private health insurance (Harvard Pilgrim, Tufts Health Care, Blue Cross/Blue Shield for example), then your auto insurance company must pay up to the first $2,000 in medical bills. After that, it’s up to your private health insurance company to pay the rest of your medical costs. But, don’t forget that your PIP will pay for co-payments or deductibles on your health insurance coverage.

If you don’t have private health coverage, then PIP pays up to $8,000 in reasonable and necessary medical expenses. Listen to Massachusetts personal injury lawyers, Carlin Phillips and Andrew Garcia explain how PIP works when you’re in a car accident.

Getting your medical bills paid and coordinating your private health after a car accident can be very confusing and can seem daunting. If you’d like to learn more about Massachusetts PIP coverage get your FREE copy of our book, Massachusetts Auto Accidents: The 5 Biggest Mistakes That Consumers Make When Buying Car Insurance by ordering it here.