Because Massachusetts is a no-fault state, your medical bills will be covered regardless of who caused the auto accident. Your initial medical bills will be submitted to the insurance company covering the vehicle you were in. That insurance company is obligated to pay the first $2,000 in medical bills under Personal Injury Protection (PIP). Any medical bills then exceeding $2,000 must be submitted to your private health insurance company. If a bill is denied or only partially paid by your health insurer, the outstanding balance can then be submitted to the vehicle insurance company for payment. If you have no health insurance, the vehicle insurer should pay an additional $6,000 in medical bills above and beyond the initial $2,000.