Using my 30 years of experience as a Car Crash Attorney I will be writing a series of Blog Articles explaining how Car crash claims are handled in North Dakota. This is North Dakota Car Crash Blog Part 2: No Fault Insurance – Medical Expenses Part 1.
All car insurance sold in North Dakota must include No-Fault coverage. Sometimes No-Fault benefits are referred to as PIP benfits. (PIP stands for personal injury protection.) One of the most important features of No-Fault coverage is the payment of car crash related medical expenses.
When you are injured in a car crash the insurance policy that covers the vehicle that you are injured in provides the No-Fault coverage that pays your crash related medical expenses. It is your responsibility to file an application for No-Fault benefits with the appropriate insurance company. Contact the insurance company as soon as possible after the car crash and request that it send you an application for No-Fault benefits. Complete and return the application as soon as possible. A delay in filing your No-Fault benefit application can result in delays in getting your medical bills paid. You must also provide your medical care providers with the insurance information.
In North Dakota the required basic No-Fault coverage is limited to $30,000 of benefits.
The term “Medical expense” is defined by law to mean usual and customary charges incurred for reasonable and necessary medical, surgical, diagnostic, x-ray, dental, prosthetic, ambulance, hospital, or professional nursing services or services for remedial treatment and care. North Dakota recognizes chiropractic treatment as medical treatment. Treatment provided by a chiropractor for car crash related injuries are covered by No-Fault benefits. Treatment by physical therapists ordered by a doctor or chiropractor is considered medical expenses. In most cases charges for massage therapy when ordered by a doctor or chiropractor are also considered medical expenses and paid as a No-Fault benefit. Prescription medications are medical expenses that will be paid by your No-Fault insurance. However, most pharmacies require payment at the time you receive your prescription and will not bill your No-Fault insurance company. If you are required to pay for your prescription medications send a copy of the receipt to your No-Fault insurance company and ask to be reimbursed.
You are required to cooperate with your insurance company that is providing your No-Fault benefits. It is important to understand the difference between your No-Fault insurance company and the insurance company that represents a driver that may have caused the car crash. You have no obligation to cooperate with the at fault driver’s insurance company. You can expect that the at fault driver’s insurance company will contact you soon after the crash and request that you provide a statement. Do not provide a statement to the at fault driver’s insurance company until you have consulted an attorney. No matter how friendly the investigator may seem, the at fault driver’s insurance company is trying to obtain information from you that it can use against you. The investigator’s only purpose is to reduce the amount of damages the insurance company has to pay you to compensate you for your car crash injuries. Before making any statements about the car crash, be sure you know whom you are talking to.
You can find additional information about car crash injuries and No-Fault insurance benefits on my websites: 25% Contingent Fees on Selected Car Crash Cases and eLawPros. Or call me at 701-630-1846 if you have questions about insurance coverage for your medical expenses caused by your car crash injuries.