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Greetings to all!
This is certainly the season of wet, slippery roads, which usually spells auto accidents for a lot of us. I have been taking in more new patients around this time of the year due to uato-related accidents, and I found out last Thursday that I am not immuned to them.
I was minding my own business at a stop light about to turn left. The 2000 Dodge Durango in front of me decided to back his vehicle to talk to someone in the vehicle to his right. Forgetting that he was still in reverse, when the light turned green, he slammed his bigger vehicle into my little 1996 Saturn wagon.
Personal Injury Protection, or what we call PIP in our profession, is part of your auto insurance policy. It is designed to take care of you immediately after an accident
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 your PIP. PIP is no-fault, so it doesn't matter who caused the accident, you're still covered. There is no deductible and coverage is for 3 years or $10,000, which ever comes first. Some policies have higher limits. If you have coverage on your auto policy, yourmedical bills get paid on time and you can maintain your treatment schedule uninterrupted.
Step-By-Step Guide:
- Call your insurance agent
- Ask if you have PIP or MedPay (a version of PIP minus wage or loss of services coverage). 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 office
- 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 Application, Attending Physician's Report and Salary Verification forms
- Complete the PIP Application and return it to the claims adjuster
- Have your employer complete the Salary Verification form and return it to you. Mail to the claims adjuster
- Provide your claimk number and the adjuster's name, office address and phone number to all your Health Care Providers
- Insturct your Health Care Providers to bill your PIP carrier directly
All I can say is that I am so glad I am with State Farm! :)
Century Massage & Bodywork, LLC
- Lyn Yancha, LMP
425.228.5217
www.CenturyMassage.com
The PHI (Personal Health Information) contained in this FAX/Email is HIGHLY CONFIDENTIAL. It is intended for the exclusive use of the addressee. It is to be used only to aid in providing specific healthcare services to this patient. Any other use is a violation of the Federal Law (HIPAA) and will be reported as such.
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