If you ever have the misfortune of being involved in a motor vehicle accident, be sure to utilize the personal injury protection (PIP) benefits of your automobile insurance policy. Whether or not the accident was your fault, contact your own auto insurance company and apply for the PIP benefits. Once approved, you will be given a claim number to use at any doctors you use in the future until your PIP benefits are exhausted. Any medical bills that are related to the accident which were billed to you prior to receiving the PIP claim number can be supplied to your auto insurer and those bills will also be paid.
Utilizing your PIP benefits are critical, especially in cases where the accident was not your fault and you are considering filing a lawsuit. If you do not use your PIP benefits, or if you choose not to carry a policy with a large PIP benefit and you use insurance through an employer or through the State (Medicaid/welfare) or Federal (medicare) government, you may have to pay those entities back out of your lawsuit verdict or settlement, leaving you with little or nothing after the fact.
THE FOREGOING IS A GENERAL DISCUSSION OF THE LAW AND SHOULD NOT BE INTERPRETED TO BE LEGAL ADVICE. IF YOU HAVE A SPECIFIC QUESTION, PLEASE CONTACT OUR OFFICE AND SPEAK TO AN ATTORNEY