PIP Insurance Billing Guide

Personal Injury Protection (PIP) coverage is an option intended to cover medical and related expenses resulting from injuries to you and any passengers or named insured family members in the event of a car accident without considering who is at fault in the accident.

Buyers should note that some policies allow you to stack the PIP coverage ($3,000 + $3,000) while others will only extend secondary coverage in an amount greater than the primary. For example, if the primary coverage is $3,000 and the secondary is $5,000, the most the secondary policy will allow is $2,000. You should always request a copy of PIP to know how much is your coverage. It is also advisable to contact your insurance provider right after the accident if possible.

There is PIP billing guide that you can refer to when involved in an accident.

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  If you were involved in a bicycle or pedestrian accident as patient, you can:

1.  Bill the PIP carrier of the car that hit you. This will be for primary coverage.
2.  You can bill your own auto PIP carrier or the auto PIP carrier of someone in your household. This is your secondary coverage on top of the primary coverage mentioned above.
3. If the patient is a minor and their parents are divorced, the patient can possibly make claims under both parents’ auto PIP policies.

• If you were injured in an auto accident and the vehicle that you were driving does not belong to you or to anyone in your household, you can:

1. Bill the PIP carrier covering the vehicle that you were in. This is primary coverage.
2.  Bill your own PIP carrier or the PIP carrier of someone in your household.
3.  If the injured person is a minor and parents are divorced, it is possible to make a claim under both parents’ PIP policies.

• If you were injured during a car accident in your own vehicle or the vehicle was owned by someone in your household, you can:

1.  For primary coverage, bill PIP for that vehicle.
2.  If patient is a minor and parents are divorced. The patient can possibly make claim under both parents’ auto PIP policies for secondary coverage.

• If the patient was a passenger in an uninsured vehicle, he/she can:

1.  For primary coverage, bill patient’s own PIP. If patient doesn’t own a car, or has no PIP, then bill a PIP policy in patient’s household.
2.  If patient is a minor, and parents are divorced. The patient can possibly make claim under both parents’ auto PIP policies. This is under secondary coverage.

For motorcycle accidents, the patient can:

1.  Since PIP is NOT automatically required for motorcycle policies. If PIP exists, bill the PIP or Med Pay for the patient’s motorcycle policy. This is primary coverage.
2.  If patient was passenger on motorcycle and/or patient or patient’s household did not own motorcycle, bill patient’s personal PIP policy. This is secondary coverage.
3. If patient is a minor, and parents are divorced. Patient can possibly make claim under both parents’ auto PIP policies.

Personal Injury Protection (PIP) policies are great help for everyone who needs to recover from the injuries sustained during accidents. This is because medicines and hospitalization can be quite costly and some injuries may take some time for recovery or healing. Always get a PIP policy when enrolling in an automobile insurance.

If you have been injured in Utah and you have PIP but are looking for extra consultation for your injury, contact us at Christensen & Hymas 801-506-0800.

Photo “Medical bills WITH health insurance” copyright by Lauren.

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