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Bill

HD 2645

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

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

Massachusetts bill adjusting personal injury protection insurance payment timelines and benefit structures in no-fault auto coverage system.

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WeVote Research Nonpartisan
Bill Summary · HD 2645

Legislative bill overview

HD 2645 modifies Massachusetts's Personal Injury Protection (PIP) insurance requirements, which mandate that auto insurance policies cover medical expenses and lost wages for accident victims regardless of fault. The bill adjusts how and when these benefits are "due and payable" to claimants, potentially altering payment timelines, claim procedures, or benefit structures under the state's no-fault auto insurance system.

Why is this important

Massachusetts has a mandatory no-fault auto insurance system where PIP benefits provide crucial income replacement and medical coverage for accident victims, sometimes serving as their primary recourse for injuries. Changes to when and how these benefits are paid directly affect injured parties' ability to cover immediate medical costs and living expenses during recovery, and can influence insurance company costs and premiums.

Potential points of contention

  • Payment timeline disputes: Insurers may prefer extended payment windows to manage claims administratively, while injured parties need rapid access to funds for medical care and rent; this bill's specific language will determine which interest prevails
  • Benefit limits and caps: Any reduction in benefit amounts or eligibility could decrease coverage for seriously injured claimants while reducing insurer liability and potentially lowering premiums
  • Claim procedural requirements: New documentation or approval processes could streamline fraudulent claims but may also create barriers for legitimate claimants with limited resources to navigate complex paperwork

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

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