Car Accident Compensation in Massachusetts | Guide 2026

Massachusetts is a no-fault state with a low threshold: you can sue for pain and suffering if medical expenses exceed $2,000 or if the injury causes disfigurement, fracture, or loss of function (M.G.L. c. 231, § 6D). This is much lower than Florida or New York. Modified comparative negligence with 51% bar.

No-Fault with $2,000 Threshold

Claim PIP first (up to $8,000). If medical bills exceed $2,000, you can sue the at-fault driver for everything including pain and suffering.

Statute of Limitations: 3 years

Average Settlements

Injury Type	Range
Soft tissue	$12,000 – $40,000
Moderate	$40,000 – $150,000
Serious	$150,000 – $400,000
Catastrophic	$400,000 – $5,000,000+

Insurance: 20/40/5 + $8K PIP

Updated May 2026. Sources: M.G.L. c. 231, § 6D, § 85; Massachusetts Bar Association.

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