No fault insurance means that your own automobile insurer will pay some or all of your medical bills (and lost earnings) if you get into a car accident, regardless of who was at fault for the accident. Second, if you haven’t done so already, fill out and submit a claim form with the insurance company for this medical bill. This is why hiring an attorney can be useful in helping you to efficiently use the insurance at your disposal. Instead, your attorney will have to submit your medical bills to your auto insurance company, and your auto insurance company will need to confirm the type of health insurance coverage you have, such as HMO or PPO, as well as what percentages of your medical bills your health plan is and is not required to pay. Direct Auto Insurance Claims Department PO Box 1623 Winston Salem, NC 27102 Include your name, policy number, and claim number. In other words, they have to accept the same payment amount they would have received if the patient was NOT injured in an auto accident. These policies are typically very long and contain more than 100 pages of medical definitions, … After fault is established, a payout is issued based on the damage to your vehicle. As a solution Governor Bill Ritter supported Senate Bill 11. Claims. If you live in one of the 12 no-fault insurance states, your auto insurer probably structured your policy to cover any potential medical bills brought about by an accident. If you’re filing a life insurance claim, you’ll need to submit a death certificate. If you, your passengers or any family members driving at the time of an accident are injured, medical payments coverage can help protect you—no matter who's at fault. Note that most states require you to report collisions involving injuries or significant property damage. A jury will then decide if a PIP insurer should’ve paid the medical bills. The state you live in determines what is paid out in an accident. PIP is mandatory in some states, optional in others, and not offered at all in most states. For medical providers ONLY: Submit medical bills by mail to: Direct Auto Insurance PIP Department PO Box 2989 Clinton, IA 52733. You likely have medical payments coverage in your auto insurance policy for this exact situation. We get to submit that entire bill, and the insurance companies are supposed to make their offers based on the full amount of medical bills. It can also help cover you or your family members if they're injured in another car or as a pedestrian. As you receive medical bills from your healthcare providers, please take the following steps to submit them to CHM. Take out a copy of your automobile insurance policy and find the “Declarations of Coverage” section. Tip: The medical provider may be able to sue the PIP insurer. What is timely filing, and how does it affect the job of a medical biller? 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