Stop Writing Off Unpaid PIP Claims — Massachusetts Law Gives You the Right to Collect

You treated the patient. The insurer cut your bill, delayed payment, or denied it outright. Under M.G.L. c.90 §34M, I can sue that insurer directly on your behalf — and when I win, the insurer pays my fees, not you.

You keep every dollar recovered.

  • 12 years of plaintiff-side personal injury experience

  • Negotiation-first approach — most cases resolve before filing suit

  • No fee unless I recover for you

  • House calls, Zoom, and coffee shop meetings available

  • Personal handling on every case, you work with me, not a case manager

What Massachusetts Law Gives Medical Providers Under §34M

Most providers don't realize they have a direct right of action against auto insurers for unpaid PIP balances. Massachusetts General Laws Chapter 90, Section 34M gives medical providers — not just injured patients — the legal standing to sue an insurer that fails to pay a valid no-fault claim.


Here is what that means in practice:

  • Insurers have 30 days to pay or deny a PIP claim after receiving a complete bill. A payment made after that window, or a denial that doesn't hold up, is a violation.
  • I can look back six years on unpaid or underpaid claims — not just the ones from last month.
  • When I prevail, the insurer is responsible for my attorney's fees under the statute. You receive your full recovery with no deduction for legal costs.
  • I have signed fee agreements with GEICO, Progressive, and Liberty Mutual that allow me to resolve many claims through negotiation without filing suit at all.


A billing company can send demand letters. Only an attorney can litigate — and only an attorney working under §34M's fee-shifting provision can do it without taking a cut of your recovery.

Why Providers Across Southeastern Massachusetts Work With Me

I handle PIP collections for physical therapists, chiropractors, orthopedists, and imaging centers throughout the region. What distinguishes this practice from both billing services and larger law firms isn't a tagline — it's the structure of how I work.

  • You keep 100% of the recovery. My fees come from the insurer on winning claims, not from your reimbursement.

  • Six-year lookback. I audit your unpaid and underpaid PIP claims going back six years, not just the current stack on your desk.

  • No litigation required on many claims. My standing agreements with GEICO, Progressive, and Liberty Mutual resolve a significant volume of claims before a lawsuit is necessary.

  • I handle everything. Demand letters, adjuster negotiation, and litigation if it comes to that — your billing staff doesn't need to be involved beyond providing records.

  • Direct access to me. This is a solo practice. You speak with the attorney working your claims, not a case manager or paralegal relay.
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Motorcyclists are disproportionately blamed in crashes — even when another driver caused the collision. I know how to counter that bias and build a strong liability case.

The Disputes I Handle Most Often

Insurers reduce and deny PIP claims using predictable tactics. I know how each one is challenged under Massachusetts law.

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Some insurers deny claims based on a desk review of records without ever examining the patient. These denials are among the most frequently overturned when properly challenged under §34M.




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Insurers routinely pay less than your billed rate by applying a "usual and customary" benchmark — often drawn from databases that undervalue regional rates. These reductions are contestable, and I challenge them with documentation of your actual fee schedule and the prevailing rates in your market.

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An IME that cuts off benefits or retroactively denies treatment doesn't automatically end the claim. I evaluate whether the examination was conducted within the statutory requirements and whether the denial can be disputed on the record.


How the Process Works

Step 1:

Records Review


You send me your outstanding PIP claims — current and historical, going back up to six years. I review each one for denial reason, payment timeline, and the statutory basis for recovery.


Step 2:

Demand and Negotiation


I send a formal demand to the insurer. For carriers with whom I have standing agreements, this step alone resolves many claims. For others, I negotiate directly with the adjuster.


Step 3:

Litigation If Necessary


If negotiation doesn't produce a fair result, I file suit under §34M. The fee-shifting provision means the insurer bears my legal costs when the claim succeeds — your recovery stays intact.


Step 4:

Payment to Your Practice


You receive the full recovered amount. I collect my fees from the insurer as provided by statute.

Frequently Asked Questions From Medical Providers

  • Does this cost my practice anything if you don't recover?

    No. My fees on PIP collections are contingent on recovery and are paid by the insurer under the fee-shifting provision of M.G.L. c.90 §34M. If the claim doesn't succeed, you owe nothing.

  • How far back can you go on unpaid claims?

    Massachusetts has a six-year statute of limitations on contract claims, which applies to unpaid PIP balances. That means claims your billing department wrote off years ago may still be recoverable.

  • Can't my billing company handle this?

    A billing company can send demand letters and follow up with adjusters. It cannot file suit. When an insurer refuses to pay and negotiation stalls, the only path to recovery is litigation — and that requires an attorney licensed in Massachusetts.

  • What types of providers do you work with?

    I work with physical therapists, chiropractors, orthopedists, pain management practices, and imaging centers. If your practice treats auto-accident patients and bills PIP, I can review your outstanding claims.

  • What if the insurer already denied the claim?

    A denial is not the end of the road. Many denials — particularly those based on usual-and-customary reductions, IME cutoffs, or record-review determinations — are contestable under §34M. I review the denial basis before advising whether a claim is worth pursuing.

  • Do I need to be located in southeastern Massachusetts?

    No. I work with medical providers throughout Massachusetts. My office is in Wareham, but provider relationships are handled by phone, email, and Zoom — your location doesn't limit what I can do for your practice.

Ready to Review Your Outstanding PIP Claims?

Send me your unpaid and underpaid PIP claims — current or historical — and I'll tell you what's recoverable. There's no cost to find out, and no fee to your practice unless I collect.