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Bill

SD 2232

An Act relative to personal injury protection payments

194th Legislature (2025-2026) Introduced by Paul Feeney

Bill adjusts Massachusetts auto insurance personal injury protection benefits, affecting accident victim coverage, payment calculations, and insurer obligations under the no-fault system.

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WeVote Research Nonpartisan
Bill Summary · SD 2232

Legislative bill overview

SD 2232 modifies Massachusetts' Personal Injury Protection (PIP) insurance system, which provides medical and wage-loss coverage to auto accident victims regardless of fault. The bill adjusts how PIP benefits are calculated, paid, or administered to accident victims and insurers. Specific provisions would affect coverage limits, payment timelines, or eligible expenses under the state's no-fault auto insurance framework.

Why is this important

PIP insurance directly impacts millions of Massachusetts drivers and accident victims by determining what medical costs and lost wages are covered after car accidents. Changes to this system affect insurance premiums, consumer out-of-pocket costs, and healthcare provider payments. Massachusetts has one of the highest auto insurance rates in the nation, making PIP reform a recurring policy priority with significant economic consequences for households and the healthcare industry.

Potential points of contention

  • Coverage scope and limits: Disputes over whether the bill expands or restricts what treatments and expenses are covered, affecting accident victims' access to care versus insurer costs
  • Payment rates to providers: Healthcare providers may oppose reduced reimbursement rates, while insurers and consumers may support cost controls to lower premiums
  • Balance between consumer protection and affordability: Tension between ensuring injured parties are fully compensated versus keeping insurance premiums reasonable for working families

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

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