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H 1088

An Act relative to personal injury protection, benefits due and payable

194th Legislature (2025-2026) Introduced by Bruce Ayers

Massachusetts bill modifying auto insurance personal injury protection benefit calculations, payments, and eligibility requirements affecting accident victim compensation and insurer obligations.

Accompanied a new draft, see H5029
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WeVote Research Nonpartisan
Bill Summary · H 1088

Legislative bill overview

H 1088 seeks to modify Massachusetts's personal injury protection (PIP) insurance requirements, which mandate that auto insurance policies cover medical expenses, lost wages, and essential services for policyholders and passengers regardless of fault. The bill addresses how and when these benefits are calculated and distributed to injured parties.

Why is this important

Personal injury protection is a core component of Massachusetts auto insurance that directly affects what accident victims can recover for medical bills and lost income. Changes to PIP benefit rules impact insurance premiums, accident victim compensation, and dispute resolution between insurers and injured parties—affecting millions of Massachusetts drivers and accident survivors.

Potential points of contention

  • Benefit calculation methods: Disagreement likely exists over how benefits should be calculated—whether using wage loss documentation, medical expense thresholds, or other metrics—affecting how much injured parties ultimately receive
  • Insurer payment timelines and obligations: The bill may impose stricter deadlines for insurers to pay benefits, creating compliance costs versus victim advocacy concerns about delayed payments
  • Coverage scope and limitations: Stakeholders may dispute which services and expenses qualify for PIP coverage, including rehabilitation, attendant care, or alternative treatments

Compiled from official sources — confirm details with the bill’s official record.

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