MASSACHUSETTS AUTO INSURANCE GUIDE

Massachusetts Tort Threshold, $2,000 Medical-Expense Requirement & Statutory Injury Exceptions

Massachusetts generally limits recovery of pain-and-suffering damages in motor-vehicle cases unless the claimant incurs more than $2,000 in reasonable and necessary medical expenses or satisfies a statutory injury exception. This guide will address the threshold, qualifying injuries, proof issues, and interaction with PIP and tort damages.

Publication review note — September 17, 2026. Verify current G.L. c. 231, §6D, qualifying injury categories, medical-expense requirements, and controlling appellate decisions before publication.