Massachusetts is a no-fault state, meaning that your own automobile insurance will pay up to the first $8,000 in medical bills regardless of fault. This coverage is called Personal Injury Protection (PIP) coverage, and is part of every Massachusetts automobile policy for motor vehicles. Once your PIP coverage is exhausted, your medical bills will be resubmitted to your health insurance for payment. However, if you were injured while operating or riding a motorcycle, your automobile insurance will not have PIP coverage. Depending on your motorcycle insurance policy, you may have MedPay benefits. This is another form of no-fault coverage which will pay medical bills arising from your crash.