If someone is in a car accident, we can begin a Personal Injury (PI) Case. This allows us to bill the car insurance carrier for services that are required to help you recover from the effects of the accident. Each PI case begins with x-rays (spinal x-ray, exam, cervical, and any additional x-rays that are needed based on the accident) and x-rays are re-taken on a regular basis throughout the length of the PI Case. We will need paperwork completed with details about the accident and the insurance carrier information (company, claim #, and phone #). Claims will be sent into the insurance company every 2 weeks. If you choose to use your own car insurance (Med Pay), we will bill them directly, and receive payment from them for your care. You will not have to pay anything unless the cost of your care goes over the coverage limit set by your insurance company. If you choose to use the other driver's insurance (Third Party), we will require payment from you up front. We have found that Third Party insurance companies are not as consistent in paying for care as a Med Pay situation. Often, they may choose to wait until the case is closed to pay for care. This doesn't work well as the balance gets higher and higher, with no guarantee of what will be covered when all is said and done. If the insurance company begins paying throughout the case, we can stop taking payments from you. If the insurance company ends up paying for the full cost of care, any payments that you made during the case will go back to you. If you are using Third Party insurance and cannot afford to pay the full cost of your care at the time of service, we are willing to set up a payment plan with you. When a PI Case is closed, we will work with the insurance company to ensure that they have everything needed to reimburse for your care. If there are any services that they refuse to cover, the patient will be responsible for those. Sometimes insurance companies send reimbursement checks to the patient, instead of to the office. In that event, it is your responsibility to ensure any balances on your account are paid with these funds.