Let’s take a look at how to file a MedPay or PIP claim.
To file a MedPay claim, contact your car insurance company about the accident. You also want to provide the auto insurance information to your health care provider, including your doctor and the hospital.
The health care providers may bill the car insurance company directly. If they bill you instead, you can request reimbursement from the auto insurer.
The auto insurance company may also work with your health insurance company to cover the bills.
Make sure you keep track of all of your medical expenses, so you can get full reimbursement from the car insurance company.
Meanwhile, a PIP claim has a similar claims process. Notify your auto insurance company as soon after the accident as you can. The insurer will pay the medical expenses and lost earnings up to your policy’s limit.
States with two-part medical bill limits are set up so injured drivers with health insurance have PIP pick up a smaller amount of the medical bills and the health insurance pays the remainder.
If the injuries cost more than your no-fault limit, you’re responsible for paying the amount. People with health insurance will get help paying medical bills. If not, you’ll have to work with your providers to pay the amount beyond your insurance policy's limits.