Massachusetts law requires drivers to carry enough personal injury protection (PIP) to cover the first $2,000 in medical expenses. The expenses beyond this are paid by your own health insurance coverage. However, if you do not have health insurance or if your claim is denied, then PIP will continue to cover up to a total limit of $8,000 for combined medical treatment and lost wages. PIP will of course only pay for medical treatment which is reasonable, necessary and related to injuries arising out of the motor vehicle accident. PIP does not cover motorcycle accidents.