Car Crash Insurance Info
WHAT HAPPENS TO YOUR INSURANCE RATES AND COVERAGE?
Will my car insurance cover 100% of my medical care?
Yes, it absolutely will as long as your doctor documents your injury properly. Such documentation can be received from performing a thorough and specific history and exam and thereby reaching a diagnosis that matched the documentation. As long as the doctor can in fact show that all of the care is medically necessary and a result of your car crash, your insurance will cover 100% of your care.
Will my insurance rates go up after a car crash?
If you are not at fault in your car crash and see a doctor because you are hurting then your rates will definitely not go up for using your PIP benefits. If you were injured in a car crash and you were at fault and you go to see a doctor and use your PIP benefits then your rates won’t go up either.
In other words anytime you have been in a car crash and want to get treated for injuries such as; headaches, neck pain or stiffness, mid back pain, or low back pain or soreness and you use your PIP benefits then your insurance rates will not go up. The only reason that your rates may go up would be due to the fact that you were cited as being at fault in the car crash, but not because you elected to exercise your rights in using your PIP benefits.