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Greetings to all!
This past rainy weekend, making our roads wet and slippery, usually spells auto accidents for some of us. I have been taking in more new patients after a few days of rain and during our wet season due to auto-related accidents, and I found out three years ago that I am not immune to them.
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
We at Century Massage & Bodywork welcome your PIP (auto) claims as well Labor & Industries and Medical claims (FCHN preferred provider). Just give us a call if you have questions. We'll even verify coverage for you.
Be safe out there!
- Lyn Yancha, LMP/OwnerBe safe out there!
Anna Marie Mazzone, LMP
Lic: MA00012942 / MA00021524
Century Massage & Bodywork
www.CenturyMassage.com
425.228.5217
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