Hyjek Chiropractic

A Creating Wellness Center

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All the answers to common Chiropractic questions.

North Dakota and Minnesota are no-fault states concerning motor vehicle crashes. This means that North Dakota and Minnesota require all drivers to maintain an insurance policy that includes no-fault benefits. The most commonly used no-fault benefits are medical expenses and lost wages. Sometimes no-fault benefits are also referred to as PIP (personal injury protection) benefits.

When you are involved in a motor vehicle crash in North Dakota or Minnesota your car insurance as part of your no-fault benefits initially pays for the medical expenses and lost wages that you suffer as a result of the crash. If you have been involved in a motor vehicle crash that requires you to seek medical treatment or causes you to miss work you must file an application for no-fault benefits with your insurance company. The application process generally requires you to fill out a form with information about the crash and to sign authorizations allowing your insurance company to get copies of your medical records.

For injuries suffered in a motor vehicle crash requiring medical treatment your motor vehicle insurance company under the no-fault medical benefits is primarily responsible for the payment of your medical expenses. If you need medical treatment following a car crash you must inform your health care provider that your injuries were caused by a crash and provide information concerning your insurance company. If you have other private health insurance or receive public health care benefits make sure your health care provided bills treatment for your crash injuries to your no-fault insurance.

Your insurance company must pay the usual and customary charges incurred for reasonable and necessary medical expenses. These payments should cover the full amount of the medical bill without reduction for deductibles or copayments. If you receive a bill from your medical provider for any amount not covered by your no-fault medical benefits you should contact your motor vehicle insurance company to find out why the full amount of the medical bill has not been paid.

If you do you have private medical insurance your no-fault medical benefits may be coordinated with your health insurance coverage after the no-fault insurance has paid the first $10,000 of no-fault benefits. Depending on the circumstances it may or may not be to your benefit to have the no-fault insurance coordinated with your medical insurance. Any time you have incurred medical expenses or lost wages that exceed $10,000 you should consult an attorney to review the coordination of benefits issue.

Your insurance company will assign an adjustor or claims analyst to handle your claim for no-fault benefits. You should cooperate with your adjustor to make sure all of your medical expense and wage loss benefits are paid as quickly as possible. Your insurance company will send you explanation of benefits forms (EOBs) explaining what bills have been submitted and how much has been paid. You should review these EOBs carefully and contact your insurance company and medical care provider if it appears that your crash care bills are not being paid in full.

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