Wilmington Delaware Personal Injury Lawyer
Frequently Asked Questions
Which Insurance Claim Number Should I Give to My Doctors?
Crash! You are in a motor vehicle accident. It’s not too bad – you seem okay. After you get over the initial shock, you follow the drill: call the police, check out the damage, and exchange driver and insurance information. Next, you review how your body feels. Maybe you need to go to the emergency room because you are feeling some aches and pains or you feel okay but need to visit the doctor the next day. Whatever your injuries, whether they send you to the doctor’s office or to the hospital in an ambulance, your medical bills need to be paid.
The first thing to do is to call your own car insurance company. Tell them that you were in an accident and that you are injured. Ask to start a PIP claim. You will receive a PIP claim number. PIP, Personal Injury Protection, is a form of no-fault automobile insurance coverage that pays for your medical bills and lost wages for up to two (2) years after the accident, or up to the amount of your PIP policy limits (usually $15,000.00), whichever comes first. You should give this PIP claim number and the name and phone number of your car insurance company to your medical providers so that your bills can be submitted to PIP.
In Delaware, PIP coverage does not preclude a lawsuit for pain and suffering resulting from an automobile accident. Even though PIP pays for you medical bills, you can file a lawsuit against the negligent party.
Start your PIP claim as soon as possible so that your medical bills get covered right away. If you are unable to call, then ask a relative or friend to make the call.