Personal Injury Protection Lawyer In Massachusetts
Mac S. Phillips and Chris Tadros are two of the top personal injury protection lawyers who specialize in claims involving medical providers. We know how frustrating it is when insurance companies drag their heels, pay less than they should, or refuse to pay altogether and leave your practice struggling to collect money to compensate for the necessary care you have already provided.
Our legal practice was founded on the belief that doctors, chiropractors, physical therapists, and other practitioners should be compensated on time. We have years of experience litigating against large insurance companies in Massachusetts and have gained a reputation for being persistent, precise, and result-oriented.
When your practice is struggling with unpaid or rejected claims, give us a call today and have us look into your case. Get a free consultation and document review with us.
What Is Personal Injury Protection?
Personal Injury Protection (PIP) is one of the pillars of the no-fault insurance of Massachusetts. It is guaranteed that, in the event of a car accident, medical bills and other related costs will be covered, regardless of the cause of the accident. To medical providers, PIP frequently comes in as the initial form of reimbursement where accident victims are treated. The law obliges insurers to cover all reasonable and necessary medical costs up to the limit of the coverage.
What PIP typically covers:
- Up to $8,000 per person per accident
- Medical expenses such as chiropractic care, physical therapy, imaging, and hospital visits
- Lost wages for injured individuals
- Replacement services
Why it matters for providers:
- Ensures a steady flow of payment for accident-related care
- Protects against unnecessary financial risk
- Allows treatment to continue without waiting for lengthy lawsuits
However, even with obvious regulations, insurance companies tend to be stubborn about paying what they should to the medical providers. That’s why the need for a PIP attorney has risen to ensure fair reimbursements.
What Does The Process Of PIP Claims Look Like?
Filing a PIP claim is a simple process, but insurance companies do make it seem like a complex and challenging journey. For medical providers, the process looks like this:
- Anyone who has been in a car accident receives comprehensive care at the clinic, which includes all necessary tests, treatment, and potentially a speedy recovery.
- After that, medical providers get insurance details, and the patient signs over rights for payment directly to the provider.
- Now, the medical provider sends invoices, billing codes, and supporting medical records to the insurer.
The company will need to provide a prompt response, be it by paying or demanding further documentation. - Claims can be paid, withheld, or denied.
Challenges providers often face:
- Independent Medical Exams (IMEs): Because they want to deny or pay less, they use the first tactic to hire their own doctors and claim that the treatments done were unnecessary.
- Delays: They will keep on asking for more documentation to stall and ensure you agree to a lesser reimbursement.
- Denials: Arguing that treatment wasn’t related to the accident or exceeded limits.
Having a PIP lawyer on your side ensures that every documentation is checked under legal guidelines and then passed on to insurers. You get fully compensated and get on-time payments.
Free Case Evaluation
Attorney Chris Tadros is an excellent attorney who goes above and beyond for this clients. He clearly explained each step of the process with me. He was knowledgeable, articulate and always returned my phone calls. The entire office is professional, accessible and helped move my case forwarded quickly, keeping me informed each step of the way. I highly recommend Phillips | Tadros, P.A.!
Statute Of Limitations For PIP Cases In Massachusetts
Medical providers, with regard to Massachusetts, are allowed to initiate legal action against an insurer within two years of treatment, regarding unpaid PIP benefits. Missing this window can permanently bar recovery.
Key points to remember:
- The clock will begin at the date when the services are rendered.
- There is no extension of the deadline due to delayed responses on the part of the insurers.
- Even small claims that are unpaid have to be dealt with within two years.
Having a personal injury protection attorney on board means that you cannot miss deadlines, and you have a total chance of full reimbursement.
What Should You Do if Your PIP Claim Is Denied?
Common reasons for denial:
- Treatment deemed not medically necessary
- The claim was missing some documentation
- Care was excessive or unrelated to the accident
Steps for providers:
- Start by examining the denial letter and ensure that you understand all the reasons stated to combat the issue.
- Now, as of this point, you also need to check all the billing and medical records to ensure everything you’ve provided is accurate.
- Contact a PIP lawyer, because this is what you really need. You can think of your cases, your patients, and yourself. We are here for you, and if everything that you have handed us is correct, then comes the next step.
- We will file a lawsuit if it is necessary to get you the maximum payout for your worries.
Always remember that there is a legal channel out there for you to get help. You don’t have to fight this alone and worry about the denied claims. Let us help you get paid for what you truly deserve.
How Can A PIP Lawyer In Massachusetts Help You With Your Claim?
Ways we help medical providers:
- Comprehensive case review – Identifying gaps in documentation and correcting them.
- Direct negotiations with insurers – Saving providers the headache of endless back-and-forth.
- Litigation, when necessary – Filing suit to force payment.
- Cash flow protection – Ensuring medical practices aren’t burdened by delayed reimbursements.
Filing A Lawsuit With A PIP Lawyer
When negotiations fail, filing a lawsuit may be the only way forward. Here’s what the process looks like:
Steps in a PIP lawsuit:
- Case evaluation – Review denial letters, records, and insurer conduct.
- Filing the complaint – Submitting the lawsuit in the appropriate Massachusetts court.
- Discovery process – Gathering evidence, including medical records and insurer files.
- Motions and hearings – Addressing legal challenges before trial.
- Settlement or judgment – Many cases resolve before trial, but our attorneys are prepared to litigate fully.
Considerations before filing:
- The value of unpaid claims
- Whether the insurer acted in bad faith
- The impact on your practice’s finances
Working with an attorney ensures every step is handled strategically, with deadlines met and maximum recovery pursued.
What Is A Good Settlement For A PIP Case?
A strong settlement ensures providers are fully reimbursed for reasonable and necessary care, with penalties applied when insurers act improperly.
A “good” settlement usually includes:
- Full payment of outstanding medical bills
- Statutory interest on overdue balances
- Attorney’s fees (often shifted to insurers under MA law)
Settlements vary depending on the insurer, documentation strength, and history of denials, but with experienced representation, outcomes are almost always better than negotiating alone.
Compensation You Could Get In Massachusetts
Under the Massachusetts PIP law, compensation available to providers includes:
- Full reimbursement of accident-related treatment costs
- Interest penalties when insurers delay payment
- Attorney’s fees and legal costs for wrongfully denied claims
These protections exist to prevent medical providers from carrying the financial burden of unpaid accident care. Our attorneys ensure you recover every dollar you’re entitled to.
Frequently Asked Questions
How much does a PIP attorney cost?
What is the PIP coverage limit in Massachusetts?
Can a personal injury protection lawyer help if my PIP claim was denied?
Yes. Many denials are based on questionable grounds, such as disputing medical necessity. A Boston PIP lawyer can challenge denials, demand arbitration or file suit, and often secure full reimbursement plus interest. Without legal help, many providers give up on these claims and lose thousands in revenue.
How long does it take to get PIP reimbursement?
Who qualifies for PIP coverage in Massachusetts?
Can PIP cover chiropractic and physical therapy treatment?
Do providers need to hire a personal injury protection attorney for every claim?
Ready To Recover Your PIP Payments?
If you’re a medical provider in Massachusetts facing delayed, denied, or underpaid PIP claims, we’re here to help. Mac S. Phillips and Chris Tadros focus exclusively on PIP law, giving you attorneys who understand the system inside and out.
Don’t let insurers control your income. Contact Mass PIP Lawyers today for a free consultation and secure claim review, and start getting paid for the care you’ve already delivered.
