We Handle PIP Insurance Claims
Our attorneys can help get your medical bills paid
After a car accident, many of the challenges you'll face will be financial. Medical bills will need to be paid. You may be unable to work while recovering from your injuries. You may need help with household expenses such as childcare or house cleaning.
Ultimately, if the accident wasn't your fault, the at-fault driver's liability insurance should pay for those expenses. However, that coverage doesn't help you much in the immediate aftermath. That's because the insurance company won't pay out until you have completed your medical treatment. Even then, it may be months or years before a settlement is reached or a verdict awards you compensation. In the meantime, how can you pay your bills?
Under Washington law, your insurance company is required to offer you another type of coverage: personal injury protection (PIP). Your PIP insurance should pay for your medical bills and certain other expenses arising from your accident on a no-fault basis - meaning you are entitled to coverage regardless of who caused the accident.
However, actually collecting your PIP benefits, and making the most of them, can be difficult. That's why you need the accomplished car accident attorneys at NBLE Law on your side.
An overview of PIP coverage in Washington
While PIP is not a mandatory coverage type in Washington, insurance companies are required to offer it, and the insured person must decline coverage in writing to have it removed from the policy. The minimum coverage that must be offered includes $10,000 for medical bills, $2,000 for funeral expenses, $10,000 for lost wages and $5,000 for "essential services" such as home nursing care and domestic help. Insurance companies must also offer additional coverage for up to $35,000 in medical bills at the insured person's request.
Some of these coverage types are limited to a certain time period after the accident. The coverage for medical expenses, for instance, only applies to medical bills incurred within three years. Coverage for lost wages and essential services only applies for one year after the accident.
How our attorneys can help with your PIP claim
If you have employer-provided health insurance, you may think that policy will pay for your medical bills. However, your health insurance policy likely has co-pays and deductibles, whereas PIP does not. In addition, your health insurance may not pay for all of the services you need - and your health insurance company may not want to pay your bills at all if they know that your injuries were sustained in a car accident.
PIP coverage can help "fill in the gaps" in your health insurance by covering those copayments, deductibles and additional procedures. This is where having an attorney on your side can be especially helpful. We have extensive experience helping car accident victims cover all of their expenses by combining PIP coverage, health insurance and any other applicable insurance. We'll also help you file a claim for your lost wages and other expenses that are covered by PIP.
If you pay for PIP coverage, you should be able to collect your benefits. However, some insurance companies can make it difficult to actually receive the benefits you need after a collision. For instance, your insurance company may require you to meet with a doctor of their choice for an "Independent Medical Examination" (IME) prior to receiving benefits. If your insurance company is trying to restrict or deny your coverage, contact us today. We'll thoroughly investigate and, if necessary, take legal action on your behalf.
Remember, insurance companies are required to offer PIP in Washington. If your insurer says that you don't have coverage, we can look at your insurance documents and determine whether they did in fact offer you coverage that you denied in writing. If they did not follow the law, we'll take action on your behalf.
Our law firm has extensive experience dealing with PIP claims, and our mission is to help injured people get better. If you've been hurt in an accident, reach out to the attorneys Seattle trusts. Call (206) 623-7520 to schedule your free consultation.