Car Accident

When you are injured in a car accident there is a NO FAULT insurance attached to your car insurance called Medpay or PIP (Personal Injury Protection).  This small medical policy is designed to help pay your medical bills up to $5,000 no matter who is responsible for the accident.   

Using your Medpay or PIP does not effect your premium.

If you do not have Medpay then you signed an opt-out document when you started your auto policy.  If you do not have Medpay or PIP and you were not the one responsible for the accident we will be glad to defer payment for your physical therapy if you provide the responsible driver’s insurance information.  

Your private health insurance considers your auto insurance and the responsible party’s insurance primary for these charges. 

What to do…

* Call your insurance and tell them you need to file a Medpay or PIP claim.  They will ask you all about the accident and get the responsible party’s insurance information.  You will be given a claim number.

* Bring us your claim number and we will do the rest.

If you have any questions about this you can call or email us.