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What is PIP and is it required in Massachusetts?

Cameron Berry

Reviewed for accuracy by

Licensed Property & Casualty Agent · NPN 20621185

Last reviewed

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Short answer: Personal Injury Protection (PIP) is a mandatory Massachusetts coverage that pays your medical expenses, a portion of lost wages, and certain other costs after an auto accident — regardless of who was at fault.

PIP is the coverage that makes Massachusetts a no-fault state for injuries: it gets bills moving quickly without waiting to determine blame. It applies to you, your passengers, and pedestrians you might injure, up to the policy's PIP limit. For costs beyond that limit or for serious injuries, other coverages and the at-fault driver's liability may come into play.

Cameron Berry

Reviewed for accuracy by

Licensed Property & Casualty Agent · NPN 20621185

Last reviewed

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