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Greetings to all!
I hope this email finds you well. This
is certainly the season of wet, slippery roads, which usually spells
auto accidents for a lot of us. If and when you do fnid yourself in an auto accident, make sure you are have the following coverage:
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 regardless of whose fault the accident
was.
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, your medical
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 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
Be safe out there!
- Lyn Yancha, LMP/Owner
www.CenturyMassage.com
425.228.5217
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