How To Pay Medical Bills After An Auto Accident
It is not uncommon to have medical bills pile up after a car accident. Hospital, physical therapy, chiropractic, or orthopedic bills can add up quickly. That can cause great stress to someone. Therefore, knowing how to pay medical bills after an auto accident is extremely important.
PIP, or Personal Injury Protection, is no-fault car insurance. It is triggered even if you negligently cause a crash. It pays up to $8000 in medical bills and lost wages.
Regardless of the type of personal injuries that were suffered, Massachusetts law says that all reasonable medical bills brought on by the accident must be paid by the insurance company.
If you have private health insurance, PIP pays the first $2000 in medical bills. Any additional medical bills are then sent to your health insurance company. Any bills that health insurance does not pay are then sent back to the car insurance company for payment.
A PIP application must be completed and submitted before PIP will be paid out to your medical providers. This is a document that asks you for your general personal information, your health information, as well as questions on how the accident happened. It also will contain authorizations for the release of your medical records as well as for the release of your lost wages
Keep in mind PIP applies to all Massachusetts motor vehicle accidents, but does not apply to motorcycle accidents. PIP does though apply to accidents involving pedestrians as well as bicycle accidents.