About PIP
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What is Personal Injury Protection (PIP)?
Personal Injury Protection (PIP) is a type of insurance coverage required in Massachusetts that helps cover medical expenses and lost wages for people injured in car accidents—regardless of who was at fault.
How Does
PIP Work?
Medical Bills & Lost Wages
PIP covers:
- Necessary medical treatment related to car accident injuries
- Rehabilitation services
- A portion of lost wages if the injured party is unable to work
- Certain essential services, such as household help if the injury prevents daily activities
No-Fault Coverage
PIP provides immediate coverage, meaning medical providers don’t have to wait for a legal settlement before getting paid. Insurers are required to process and pay claims promptly.
Claim Process
- Filing Deadline: PIP claims must be submitted within two years of the accident.
- Required Documentation: Claims must include medical records, billing details, and wage loss verification (if applicable).
- Payment Timeline: Insurance companies are required to respond within a set period, but delays and denials are common.
Why Do Insurance Companies Deny PIP Claims?
Even though PIP is designed to guarantee prompt payment, insurers often delay or deny claims due to:
- Incomplete paperwork – Missing documentation can lead to automatic denials.
- Medical necessity disputes – Insurers may challenge whether treatments were necessary.
- Billing errors – Even minor coding mistakes can result in non-payment.
- Policy coverage limits – If an individual has exhausted their PIP benefits, additional claims may be denied.
- Health Insurance – Sometimes insurers incorrectly believe their insured have health insurance that will cover the bills when they don’t.
What Should Providers Do When a PIP Claim Is Denied?
If an insurance company denies, delays, or underpays your PIP claim, it’s important to act immediately to secure the reimbursement you’re owed. Steps to Take:
Review the Denial Letter
Insurers must provide a reason for the denial. Common issues include missing documentation, coding errors, or disputes over medical necessity.
Gather Supporting Documentation
Ensure all medical records, billing statements, and treatment notes are complete and correctly submitted.
Don't Wait – Contact Us
Insurance companies count on providers giving up after a denial. At Mass PIP, we fight back. Our legal team specializes in challenging wrongful denials, negotiating with insurers, and securing the full reimbursement you deserve.
If your PIP claims have been delayed, underpaid, or denied, our legal team can help you fight back and recover the full amount owed.
