If your case does not settle, a trial become necessary (assuming mediation or arbitration are not utilized). If you receive a favorable judgment at trial, that is great. But in Massachusetts, the amount of the verdict is reduced by the amounts of PIP benefits that have been paid on your behalf. Therefore, the insurance company that insures the party who caused your personal injuries, is entitled to have the amount of the verdict reduced by the amount of PIP benefits paid to you. That is referred to as the “PIP offset.”