As a doctor, you likely already have experience dealing with medical insurance companies. If your patient has been injured during a car accident, you may be dealing with a PIP, or personal injury protection, instead. PIP is purchased in addition to auto insurance to cover you in the case of an accident where there may be medical expenses, loss of income, loss of service or even a need for funeral expenses in the case of a death due to the car accident. It applies no matter which driver caused the accident. As the treating physician, you may now need to bill the PIP insurance in lieu of the patient’s medical insurance- which may be new territory for you. Here as some basics on PIP.
PIP Required in Some States, Covers Accident Victims
If you live in a state that requires PIP, it may be a good idea to get yourself and your staff into the habit of figuring out whether a patient is going through health insurance or PIP. Your case history should give you a good idea whether or not to expect to bill medical insurance or PIP insurance. The cost and coverage varies, so make sure that your staff is able to keep the patient informed and to bill the PIP insurance company.
How Can a PIP Lawyer Help in Case of an Accident?
As with most insurance companies, actually getting paid by PIP insurance can be a hassle. Most insurance companies will find any excuse not to pay out on a claim, even if you’ve done your part in documenting the injury and treating the victim. At this point, you may wish to look into hiring a reputable lawyer from a PIP law firm such as Shuster & Sabin to help in your case. A legal case against an insurance company is both a headache and a nuisance. A lawyer can make sure that you get compensated for the work you do so that you can get back to doing what you really want; treating your patients. They know all the current rules and regulations and will know exactly how to handle such cases with minimal hassle to you and your practice.
Changes in Florida PIP Law
The new changes that a PIP lawyer can help explain include that you must seek out medical care within 14 days of an accident in order to get coverage. In the past there was no such limit, so be sure to make your patients aware of the time limit.
As a physician it is important to stay current not only on medical procedures but on medical and insurance law as well. You want to keep your patient well informed and, if you have been a medical practice in Florida and are having trouble collecting from a PIP insurance company, you should talk to a PIP lawyer firm for help. Shuster & Sabin has offices located all around Florida to help you get the compensation you deserve.