Greetings to all!

This past two snowy weekend, making our roads very hazardous, usually spells
auto
accidents for some of us. I have been taking in more new patients after a few
days of
rain/snow and during our wet and snowy season due to auto-related accidents, and
I
found out four 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/Owner
Anna Marie Mazzone, LMP
Robert Winbauer, LMP
Lic: MA00012942 / MA00021524 /
Century Massage & Bodywork
www.CenturyMassage.com
425.228.5217