If you have an injury sustained in an automobile accident, the very first thing you should do is you need to head to the emergency room to receive medical attention. As an injury lawyer, I have seen the devastating effects that demand not just medical care, both on an individual's wellbeing and on their auto accident case may be. In general, people do not have a good understanding of the process of insurance claims, auto insurance they bought and how quickly they can help pay for their medical bills. Make sure you are prepared in case you get into an accident, it is important to understand clearly what you should work with your insurance company.
PIP is short for "personal injury protection," if you do not already have it, you immediately buy as much coverage as you should buy. PIP coverage is no fault coverage, and so even if you caused the accident, it still must pay for their injuries. I can not tell you that I have seen a motorcycle accident lawyer mandatory PIP coverage to protect their customers as many times over the course of my career.
Your insurance company, however, is only interested in making profits, so they're going to put up a fight. Is likely that at some point to send you to see a doctor of their choosing to undergo one, or "independent medical examination," IME. Doctors and the insurance company where a relationship depends on each other. The doctor makes money off of referrals, and in return, they usually side with the insurance company. If they are right and you need medical assistance, you can cut your PIP claim.
If the IME is that you now need no treatment, but if you disagree, you have to go through your usual health care provider. If the accident causing the injury was due to someone elses negligence, you are still covered by your bill their insurance company if you filed a claim against them can at any point.
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