Thank you, and no, Mass doesn't have PIP for motorcycles. I had full coverage on my bike and yes, have health through work. Just going on past experience with medical bills. The first one and most likely, this one, although not confirmed, have the state minimum car insurance. Everyone I talk to tells me I should score on this one because of the magnitude. It just doesn't work that way. It's all about what they carry for insurance. This kid is young and from a poor section of New Bedford. Me and my lawyer both assume there's no extra coverage. I appreciate your kind words. I'll get through it, just not convinced biking is for me anymore.