How PIP Insurance Works

Paying for Chiropractic Treatment Through PIP Insurance

When a car accident occurs, it is typically up to the at-fault driver to pay for all medical and other damages due to the accident. Unfortunately, there are all too many cases where the at-fault driver does not have any insurance or is underinsured. In these cases, if the injured party has PIP insurance, they may be covered for any medical treatments they need as a result of the accident, no matter who caused the accident to occur.

What is PIP?

PIP insurance, or personal injury protection insurance, is also known as no-fault insurance as it will cover the policyholder and their passengers regardless of who was at fault for the accident. This is required or compulsory in a number of states, so drivers must have it when they are driving. If it is not required, it is still highly recommended. PIP insurance covers a portion of the medical treatments and other related expenses for the driver and their passengers. It can also help cover rehabilitation costs.

Using PIP for Chiropractic Care

Chiropractic care is typically chosen by injured persons after a vehicle accident because it allows them to get the right care to recover from their injuries. This type of medical treatment is covered by PIP insurance, so the driver or their passengers can seek chiropractic care after the accident. It is necessary to tell the chiropractor that the injuries are the result of an accident so they can perform the right treatments and bill the cost of the treatments to the auto insurance company properly.

If you’ve been injured in a car accident and you or the driver has PIP insurance, it is possible to use that to cover the medical expenses needed to help you recover. This does include chiropractic care, which can be used to help you fully recover from any injuries you’ve suffered. Speak with your chiropractor today to learn more about what is needed to help you recover and how you can use the PIP insurance to cover the costs of your treatments.

Paying for Medical Treatments

After an accident, it is important for any driver or passenger to seek medical attention immediately. Injuries from a car accident are not always apparent right after the accident and can show up days or weeks later. Drivers who have PIP insurance will be able to cover the medical treatments needed for themselves and any passengers in their vehicle. This way, no one in the vehicle needs to worry about how they’re going to cover the treatments they need.

At the emergency room or physician’s office, the injured person will need to fill out paperwork stating they were in a car accident. This paperwork is used by the doctor to determine who to bill for the costs. If the driver of the vehicle had PIP insurance, their auto insurance company will receive the bill for the treatments and will cover as much as possible. The patient will need to cover any remaining amount on their own.

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