Massachusetts Court Ruling on PIP Benefits for Pedestrians: Key Insights

In Massachusetts, eligibility for Personal Injury Protection (PIP) benefits under the state's no-fault automobile insurance law mandates that pedestrians must be physically struck by an insured vehicle. This requirement was confirmed by a recent ruling from the Massachusetts Appeals Court, highlighting critical aspects of regulatory compliance and insurance industry standards. The case revolved around a PIP coverage dispute between The Standard Fire Insurance Co., a Travelers subsidiary, and a claimant representing Arbit Chiropractic. The incident involved pedestrian Guerda Henry, who fell and sustained injuries while avoiding a vehicle driven by Alfred Bibby. Despite the absence of physical contact, the claims provider sought coverage, only to encounter resistance from the carrier. Bibby’s insurance policy clearly stipulated PIP benefits for pedestrians "struck" by the insured vehicle. As there was no direct collision, The Standard Fire Insurance denied the PIP claim. Initial summary judgment by a Boston municipal court favored the insurer, a decision that was later upheld by both the municipal appellate court and the state appeals court after further appeal by Arbit. This ruling underscores the judiciary's role in interpreting statutory language, emphasizing the importance of clear term definitions in regulatory compliance requirements within the insurance sector.