Quincy Personal Injury Protection (PIP) Lawyer

When a patient comes to you after a car accident, they need treatment right away. However, getting paid for that care isn’t always so quick. In Massachusetts, Personal Injury Protection (PIP) coverage is supposed to take the pressure off both patients and providers by covering medical bills promptly, no matter who caused the crash. In reality, insurance companies often slow things down with extra paperwork, denials, and confusing rules about who pays first.

If you’re a Quincy medical provider, you’ve probably seen claims held up for months or reduced without a clear reason. That’s where the Quincy Personal Injury Protection lawyers at GED Lawyers come in. Our team of Quincy car accident lawyers has been providing legal services since 1995. We help providers cut through the red tape. Contact us today for a free consultation.

What Is Personal Injury Protection (PIP) Coverage?

Personal Injury Protection (PIP) is part of every Massachusetts auto insurance policy. It’s “no-fault” coverage, meaning it pays certain expenses from a car accident, regardless of who caused it.

For injury victims, PIP can cover:

• Medical bills for accident-related treatment
• Lost wages
• Some household help if injuries prevent you from completing daily tasks

For providers, PIP is often the first payer before health insurance. In theory, you treat the patient, send bills to the auto insurer, and get paid. In practice, though, it often takes persistence to collect. Our Quincy personal injury lawyers can work with you to get the job done.

Who’s Covered by Personal Injury Protection?

Sometimes, patients assume they don’t have coverage because they weren’t the driver or don’t own a car. However, they may still have access to PIP benefits—meaning your bills can be paid without waiting for a lawsuit or settlement. In many cases, your patient can access PIP benefits even if they weren’t behind the wheel. In Massachusetts, PIP typically covers:

• The driver and passengers in the insured vehicle at the time of the crash
• Anyone driving the car with permission from the owner
• Household members of the insured person, even if they weren’t in the car
• Pedestrians who were hit by a motor vehicle
• Bicyclists struck by a motor vehicle

One important exception: if the patient was injured while working, their bills may need to go through workers’ compensation instead of PIP.

Let GED Lawyers review the insurance policy and your denied claim to figure out the best way forward.

How Providers Get Paid Through PIP

Getting paid through PIP is often faster than waiting for a lawsuit to settle, but only if the paperwork is done correctly from the start. Here’s the process in plain terms:

Collect From the Patient

Collect the patient’s accident and insurance details right away. At the first visit, get:

• The auto insurance company name and policy number
• Date and location of the accident
• Driver’s name (if not the patient)
• Claim number, if they have it

Have the patient sign an Assignment of Benefits (AOB). This form allows the auto insurer to pay you directly instead of sending the check to the patient.

Submitting Auto Accident Bills

Submit bills and records to the auto insurer—not health insurance—until the first $2,000 is reached.Send:

• Itemized bills with CPT/HCPCS codes
• Treatment notes showing the accident connection
• Any forms the insurer requests (like a PIP application)

Track when the $2,000 mark is hit. At that point, switch to billing the patient’s health insurance for covered services. If health insurance won’t pay for something, you can bill PIP again (up to the $8,000 total).

Submit promptly and keep records. Massachusetts law requires PIP claims to be presented “as soon as practicable,” and no later than two years after the accident. The insurer is supposed to pay promptly, often within 30 days, once they have everything they need.If payment is delayed more than 30 days without a valid reason, you may have the right to take legal action to recover the full amount. Contact GED Lawyers for our Quincy personal injury protection lawyers to get started on your case right away.

How a Quincy Personal Injury Protection (PIP) Lawyer Can Help

When you’re running a busy medical practice, chasing down overdue PIP payments can feel like a full-time job. A lawyer who understands Massachusetts’ PIP laws can take that burden off your staff.

Here’s how we help Quincy medical providers:

• Complete Claim Review: We go through your PIP files to make sure every required document and form is in place, confirming that the insurer had no reason to deny the claim.
• Push Back on Denials: If an IME says treatment isn’t “necessary,” or the insurer claims health insurance should have paid first, our attorneys fight back using the rules and laws that protect providers.
• Demand Prompt Payment: Under Massachusetts law, if an insurer delays payment more than 30 days without a valid reason, we can take legal action to recover the full amount.
• Handle Insurer Communication: No more endless calls and letters. We deal directly with the insurance adjusters, so your staff can focus on patient care.
• Protect Your Right to Full Payment: We use every tool available, including Massachusetts consumer protection laws, to hold insurers accountable when they engage in unfair or deceptive practices.

We know the PIP system inside and out, and we use that knowledge to help you through every step of the legal process. Read our client testimonials to learn more about how we can help.

Contact a Quincy Personal Injury Protection (PIP) Attorney Today

Unpaid PIP bills don’t just hurt your bottom line; they slow down your entire practice. If you were issued a confusing or invalid denial, GED Lawyers can step in to get things moving.

Our Quincy Personal Injury Protection lawyers know how to fight unfair denials and hold insurers accountable under Massachusetts law. Contact us today. Let us help you get paid so you can get back to helping your patients.