Mass. Gen. Laws » Part I Title XXII Chapter 175
Massachusetts General Laws

Mass. Gen. Laws ch. 175, § 111C (2026)

Medical pay provisions

✓ current as of July 2026
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Section 111C. A policy of insurance issued under subdivision (b) of clause Sixth of section forty-seven insuring any person against legal liability for loss or damage on account of the injury or death of any other person may also insure, or an endorsement or rider may be attached thereto to insure, irrespective of any such legal liability, any person, including the named insured under the policy, in respect to (1) the reasonable expense of medical, surgical, x-ray, dental (including prosthetic devices), ambulance, hospital, professional nursing and funeral expenses and (2), in the case of a motor vehicle liability policy as defined in section thirty-four A of chapter ninety, disability benefits on account of injury and death benefits to dependents, beneficiaries or personal representatives on account of death resulting from the ownership, maintenance or use of motor vehicles. The provisions of sections one hundred and eight shall not apply to any such policy or any endorsement or rider providing for any or all of the benefits permitted by this section.

Notes of Decisions
Cited in 3 cases, 1975–2013 · leading case: Metro. Prop. & Cas. Ins. v. Blue Cross & Blue Shield of Massachusetts, Inc., 885 N.E.2d 825 (Mass. 2008).
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Metro. Prop. & Cas. Ins. v. Blue Cross & Blue Shield of Massachusetts, Inc., 885 N.E.2d 825 (Mass. 2008). · cites it 5× “Since 1943, G. L. c. 175, § 111C, has authorized, for various types of liability insurance policies, including automobile policies, optional endorsements to provide coverage for reasonable medical and related expenses.”
Golchin v. Liberty Mut. Ins., 993 N.E.2d 684 (Mass. 2013). “Automobile insurers are authorized to offer medical benefits coverage (MedPay) under G. L. c. 175, § 111C, and required by G. L.”
Boudreau v. Aetna Life & Cas. Co., 56 Mass. App. Dec. 162 (Mass. Dist. Ct., App. Div. 1975). “Stated differently, under Coverage "D” for one jured person is the insurer’s liability exposure the stated amount of the policy or is it multiplied by the number of vehicles insured by said policy? Coverage "D” (Automobile Medical Payments) — is a non-complsory coverage…”
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