Friday, April 12, 2013

What is Personal Injury Protection | Bellevue WA Chiropractor

Car Accident Injury and Personal Injury Protection

What is Personal Injury Protection  | Bellevue WA Chiropractor

Personal Injury Protection (PIP) coverage explained from Washington State Office of Insurance Commissioner. Personal injury protection is coverage under your auto insurance policy that will pay your medical bills, wage loss, loss of services and funeral expenses. PIP applies no matter who is at fault. But there are some situations when it does not apply. Please see the Insurance Commissioner website for detail.

I highly recommend you to add PIP coverage in your auto insurance policy if you do not have it yet. The cost of PIP coverage varies with each company. Usually it is pretty affordable. The basic coverage is $10,000.00 and the higher coverage is $25,000.00. It is good up to 3 years after you open your claim. With PIP coverage it is easier for you to get immediate medical or chiropractic care after your car accident because you do not have to pay out of pocket. It also covers wage loss if you miss work due to pain.

If you are in an accident you should open a PIP claim right away, it does not matter if you are at fault or not. If someone hit you, you should open a PIP claim with your insurance company, even though it is not your fault. If you hit someone you can open a PIP claim as well for chiropractic/medical treatment. Opening a PIP claim will not increase your insurance premium.

All you need to do is call your insurance company and they will open the claim for you. Just simply provide your chiropractor or medical doctor your claim number, insurance phone number, police report if you have, and any supporting document you have when you schedule the appointment. For more information about Auto Insurance you can check out Washington State Office of Insurance Commissioner website or call them at 1-800-562-6900. Last you can find out more about chiropractic care for car accident injuries here, or just call 425-818-0086 and we can help you :)

Active Spines Chiropractic in Bellevue WA Keeps Your Spine Active and Pain Free! You can contact Dr. Shao-Hao Cheng at 425-818-0086 or