Personal Injury Protection (PIP) Billing

What is PIP?   

• Personal Injury Protection is a part of your auto insurance policy. It is designed to take care of you
immediately after an accident.
• If you have PIP, you MUST use it. Your health insurance will not cover your expenses if you have PIP.
• If you were not the “at-fault” party, your PIP will be reimbursed by the 3rd party.

Benefits of PIP

• PIP is no-fault, so it doesn’t matter who caused the accident…you’re still covered.
• Most PIP coverage is for 3-years or $10,000, whichever comes first. Some policies have higher limits.
• PIP covers medical payments, wage loss, and loss of services.
• There is no deductible. There are no co-pays.

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

1. Call YOUR insurance agent. Ask if you have PIP or Med Pay.
2. If “NO”, ask for a copy of the document you signed waiving PIP benefits.
3. If yes, ask about limits on time and dollar amount.
4. Ask your agent to take your report of loss and call it into the claims office.
5. Ask your agent to call back with the claim number, address and phone of the claims office.
6. Call the claims office and get the name of the claims adjuster handling your claim.
7. Ask the claims adjuster to mail a PIP Application, Attending Physician’s Report, and Salary Verification forms.
8. Complete the PIP Application and return it to the claims adjuster.
9. Have your chiropractor fill out the Attending Physician’s report form and return it to you and mail it to your
   claims adjuster.
10. Have your employer complete the Salary Verification form and return it to you and mail it to your claims
    adjuster.
11. Provide your claim number, adjustor’s name, office address and phone number in the space provided below.