Here in MA, a driver, passenger, pedestrian and bicyclist are all entitled to personal injury protection benefits if they have been injured. This benefit, also known as “no-fault” benefits, entitles the injured person to be reimbursed for his/her medical expenses and 75% of his/her lost wages up to a total of $8000.00.
These benefits are available in almost all accidents, regardless of fault, and there are only a few instances where an insurance company can refuse to provide these benefits. Please note that if the injured person has health insurance, the PIP benefits will total only $2000.00; if the injured person does have health insurance, however, it may be prudent to exhaust the available PIP benefits by first obtaining reimbursement for lost wages.
It is wise to seek the advice of an attorney who is experienced handling these types of claims since a familiarity with the language in the applicable automobile insurance policy is critical.