What the legislation HAS to HAVE in it is that Medical claims go to the Employer Health coverage as SECONDARY coverage when PIP is exhausted. In NJ they won’t allow this very important safeguard.
In Michigan, we actually have it the other way around. The policyholder can select PIP coverage to be secondary to a health insurance policy, for a discount.
I think making health secondary to the PIP would not help as much as you think. Many of the “seriously injured” claimants that would exhaust a $500k PIP limit are unable to work and would no longer be enrolled in a group health plan at the time the PIP limit expires.
Many Michigan employers are not covering auto injuries as the PRIMARY insurer any longer, causing us to make the insurance company the PRIMARY. The yearly increases in this cost are becoming unbearable for many people, so something MUST be done!!!
what do you mean by many Michigan employers are not covering auto injuries as the PRIMARY insurer? Example: R you saying that your employer is not paying the bill and allowing your PIP to pay the bill? Example: R you saying that after you pay the bill your PIP is not paying the bill to you? I’m sorry just not understanding. I think that I have allowed my insurance to get off the hook by giving them all of my paperwork and they deemed that I was not eligible under PIP………only problem is that I’m alive and saying that I did not try or attempt to create the accident. I really have not asked them to pay any of the bills after I was released from the hospital………..they paid all those bills because the big boys told them to pay.
I’ve never been compensated under PIP, at least only once and that was when the accident occurred. I do not know how to file a claim, as now that I’m getting older things are happeneing that are a result of the accident. Example: My body is aching, I have problems with my neck, my knees ache, how do I file a claim? I was told that I attempted to commit sucide and this is the reason I am not eligible…….yet I have been bluffed into sending a claim and have sent my claims to my primary insurance. How do I file a claim……….I’m not trying to sue but costs are getting pretty high and I can no longer pay for my meds. I do not have my hot tub that I paid fully, and have been told that a sauna might help with my aches. I bought my temprapedic bed from the second hand store, I try to do things myself. It is getting expensive. Should I get a social worker? The accident happened 30 years ago. I write the insurance company and they really do not say anything………I do not and have never wished to sue. I simply wish medical fees be paid.
What the legislation HAS to HAVE in it is that Medical claims go to the Employer Health coverage as SECONDARY coverage when PIP is exhausted. In NJ they won’t allow this very important safeguard.
In Michigan, we actually have it the other way around. The policyholder can select PIP coverage to be secondary to a health insurance policy, for a discount.
I think making health secondary to the PIP would not help as much as you think. Many of the “seriously injured” claimants that would exhaust a $500k PIP limit are unable to work and would no longer be enrolled in a group health plan at the time the PIP limit expires.
Many Michigan employers are not covering auto injuries as the PRIMARY insurer any longer, causing us to make the insurance company the PRIMARY. The yearly increases in this cost are becoming unbearable for many people, so something MUST be done!!!
what do you mean by many Michigan employers are not covering auto injuries as the PRIMARY insurer? Example: R you saying that your employer is not paying the bill and allowing your PIP to pay the bill? Example: R you saying that after you pay the bill your PIP is not paying the bill to you? I’m sorry just not understanding. I think that I have allowed my insurance to get off the hook by giving them all of my paperwork and they deemed that I was not eligible under PIP………only problem is that I’m alive and saying that I did not try or attempt to create the accident. I really have not asked them to pay any of the bills after I was released from the hospital………..they paid all those bills because the big boys told them to pay.
I’ve never been compensated under PIP, at least only once and that was when the accident occurred. I do not know how to file a claim, as now that I’m getting older things are happeneing that are a result of the accident. Example: My body is aching, I have problems with my neck, my knees ache, how do I file a claim? I was told that I attempted to commit sucide and this is the reason I am not eligible…….yet I have been bluffed into sending a claim and have sent my claims to my primary insurance. How do I file a claim……….I’m not trying to sue but costs are getting pretty high and I can no longer pay for my meds. I do not have my hot tub that I paid fully, and have been told that a sauna might help with my aches. I bought my temprapedic bed from the second hand store, I try to do things myself. It is getting expensive. Should I get a social worker? The accident happened 30 years ago. I write the insurance company and they really do not say anything………I do not and have never wished to sue. I simply wish medical fees be paid.
Does Pip have a statue of limitations on date of injury or money?