Massachusetts Motor Vehicle Accidents: Massachusetts is a modified no-fault jurisdiction. This means that there are certain restrictions on when an injured party may file a lawsuit to recover for damages. Most importantly, the victim’s medical expenses related to the accident must be at least $2,000. In Massachusetts, the injured party’s own motor vehicle insurance is responsible to cover the first $2,000 in medical bills and up to $8,000 if the victim has no medical insurance. This is called PIP, or personal injury protection coverage. PIP coverage is also available to reimburse the injured party for lost wages sustained as a result of the accident. After the PIP coverage is exhausted, your motor vehicle insurance or health insurance may be responsible for your bills, depending on the type of coverage that you have selected.

Connecticut and New Hampshire Motor Vehicle Accidents: In Connecticut and New Hampshire, the insurance company for the at-fault party is responsible for 100% of the injured party’s accident-related medical bills up to the limits of their coverage. However, the medical bills will not be paid as they accrue. Typically, the insurance company for the at-fault driver will only reimburse the injured party for medical bills as part of a complete settlement of the personal injury claim.