Automobile accident injuries are typically covered by an insurance policy under the Personal Injury Protection (PIP) portion. This small portion is exclusively intended to pay for all medical / chiropractic services associated with injuries from an accident. PIP pays for direct access to chiropractic care, but patients can come through other doctor's referrals as well.
When the driver of the other car is at fault, patients commonly think that medical bills are submitted to the liable insurance company for payment. However, the liable company rarely pays any medical charges. Rather, the PIP portion of your insurance company needs to be billed to cover all medical services that are related to the accident. Insurance premiums generally do not rise due to treatment of bodily injuries, but if they do, changes would be minimal.
The liable insurance company does have several responsibilities. First of all, the liable party’s insurance company often will pay a settlement for pain and suffering associated with injuries sustained. This typically includes loss of wages, as well as lifestyle changes or adaptations that occurred. In
As a courtesy to our patients, our office is willing to bill the PIP portion of automobile insurance with the reasonable assumption that payment will be forthcoming. However, ultimately, all medical / chiropractic services rendered would be the patient's responsibility.