Responsibility for Medical Bills after a Car Accident – PIP Law Change

Responsibility for Medical Bills after a Car Accident – PIP Law Change

Due to changes in Personal Injury Protection (PIP) laws, treatment must be received within 14 days of your accident. This law was put into place in order to help prevent fraudulent claims. If you fail to do this within the new allotted time, your insurance company might have the right to deny coverage. Then, all of your medical bills could become your responsibility. If there is treatment with 14 days triggering PIP coverage, there are new limitations for what PIP will pay. This includes payment coverage limitations based up on the initial treatment for an Emergency Medical Condition. If you are an individual who is not diagnosed with an emergency medical condition, the PIP medical benefit may be limited to $2,500.

“How do I prevent my insurance company from denying my bills?”

Anyone involved in an accident is now required to be seen by a medical doctor. Seeing a homeopathic specialist will not be sufficient. An official report will need to be crafted by a physician. Sometimes, your primary care physician will not even be enough. They may need additional opinions by other doctors or specialists.

The report will need to say that your injuries are a direct result of your car accident and how severe they are. Even if you do not feel that your injuries are significant, we still recommend making an appointment with a doctor as soon as possible. Injuries are often felt for the first time days or even weeks after an accident occurs.

A personal injury attorney can help

Should you succeed in submitting your medical report and your claim within the two-week window, there is still a possibility that your insurance company will initially deny the claim, pending an independent investigation. It is important to call an attorney if you are in an accident to see you through this process.

This new law is very tough and you do not need to go through this alone. While this is supposed to reduce PIP costs in the future, we recommend a minimum of $100,000 of coverage, including Uninsured Motorist to assure that you are protected in the event of an accident.

Contact the experienced attorneys at Bianco and Mansfield

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