What can I do if my auto insurance denies my PIP claim?

Having an auto insurance denied PIP claim is a very stressful and aggravating time for an injured person. Unfortunately, an individual can accumulate a large number of bills before realizing their insurance company is questioning them and ultimately denies them. Below are tips on how to handle an auto insurance denied PIP claim. 

You have the right to appeal. It is often in your best interest to collaborate with the providers whose bills have been denied. They want payment and will most likely aid you in the appeal. Start with a phone call, there may be a misunderstanding. Speak calmly and rationally with the adjuster to determine the problem, see if there was miscommunication or additional information they are seeking from you or your provider. If necessary, ask to speak with management. Some adjusters deny a claim for a very poor reason. Involving management may actually resolve your claim quickly and with the least amount of stress possible. 

If management is uncooperative, you will need to involve your providers and appeal in writing. Some companies may not take phone calls seriously. When there is documentation involved they will be compelled to respond. Have your provider list the reasons the treatment was appropriate and should be approved. Then wait for a response in writing. 

If there is no response or a poor response, make a complaint with the department of insurance. This will definitely prompt a response and most likely a favorable one. If you still need further assistance speak with a personal injury attorney, they will be able to assist and file suit if necessary.