Under M.G.L. c. 90, § 34, “The PIP Statute,” your own motor vehicle insurance will pay the first $2,000 of your medical bills in nearly all circumstances.  If you have health insurance, the remainder of your bills will be paid by the health insurer.  Deductibles and co-pays will still be payable by the PIP Insurance, so you should not have to pay out of pocket for these things.  If you do not have health insurance, your motor vehicle insurance will pay the first $8,000 of your medical bills.  In certain instances, people will have Medical Payment coverage under their motor vehicle insurance, and that coverage will pay additional medical bills once the primary coverage is exhausted. People are often concerned that making a claim under your insurance to get your medical bills paid will result in an increase in premium; this is simply not true.