Posted On: September 23, 2007, 12:51 pm CDT

Posted By: JHG

Diana: Normally, the way insurance works as third parties go, there is usually a process to get your paid for coverage. If your bills will not be paid by PIP, your providers still must go through the motions. Normally they must bill the primary coverage, in your case auto because it was a car accident. Once they get a rejected claim, the provider can bill secondary and tertiary insurance coverage, attaching the rejection notice, and they will usually get paid.

As far as the PIP law is concerned, there are many things that insurance companies, agents and the state don't tell you. Many people, for example, do not have medical pay coverage on their policy. Agents and insurance companies often hand you a waiver or tell you that you don't need it. Then you get in an accident and the other person is not insured. All you have is that 10000 pip. If your hurt badly, 10000 is not alot for your care. Many insurance companies do not want to push med-pay because dollar for dollar, it is relatively inexpensive. Compared to PIP coverage which is based upon your driving recoed, age, credit status, etc., which is why some people pay more for the same coverage as others. The pedestrian issue is probably stated somewhere in your original policy, in small print, but most people trust their agent and don't read everything.

I still don't understand why you can't get care....call your attorney like you said.

Good Luck!!