Insurance Coverage Information
Personal Injury Protection
What Is PIP?
Always Use Your PIP!
- PIP covers medical bills, a portion of your weekly lost wages, and for household care and cleaning
- Your insurance company, by law, cannot cancel your policy for using your PIP
- If you have not rejected PIP coverage in writing, then you are deemed to have it.
- Your insurance company, by law, cannot increase your insurance rates for using you PIP
- Open up your PIP claim immediately! If you wait you may find yourself paying for expensive medical bills out of your pocket until your claim is settled.
- PIP is no-fault, so it doesn’t matter who caused the accident, you’re still covered
- PIP coverage is for 3 years or $10,000, which ever comes first. Some policies have higher limits.
- There is no deductible.
- If you have coverage on your auto policy, your medical bills get paid on time and you can maintain your treatment schedule uninterrupted.
What is Med Pay?
Med Pay is a medical payments only version of PIP. It does not cover wage loss or loss of services.
A Step-By-Step Guide:
- Call your insurance agent.
- Ask if you have PIP or Med Pay. If yes, ask about limits on time and dollar amount (3 years/$10,000.)
- Ask your agent to take your Report of Loss claim.
- Ask your agent to phone in your report to the claims offices.
- Ask your agent to call back with the claim number, address and phone number of the claims office.
- Call the claims office and get the name of the claims adjuster handling your claim.
- Ask the claims adjuster to mail a PIP Applications, Attending Physician’s Report and Salary Verification forms.
- Complete the PIP Application and return it to the claims adjuster.
- Have your doctor fill out the Attending Physician’s Report Form and return it to you. Mail it to the claims adjuster.
- Have your employer complete the Salary Verification form and return it to you. Mail it to the claims adjuster.
- Provide your claim number and the adjuster’s name, office address and phone number to all your Health Care Providers.
- Instruct your Health Care Providers to bill your PIP carrier directly, including copies of chart notes for each day of service.