In a motor vehicle case, what is the difference between Personal Injury Protection (PIP) insurance and liability insurance?
The standard Massachusetts auto insurance policy provides coverage called Personal Injury Protection, or PIP, which covers you, your passengers, and certain other persons whether or not you are at fault for an accident. It pays for some medical expenses and partially reimburses lost wages. It is limited to $8,000.00 and, to the extent health insurance is available, the medical expenses reimbursement is limited to $2,000.00. Liability insurance covers the negligent driver for his or her obligation to pay an injured person. Your broader claim for damages, including pain and suffering, is brought against this liability insurer.
