Chiropractic & Medical Care At No Cost To YOU!!

         Yes you read that right there are certain situations where you can get chiropractic treatment or medical care that doesn’t cost you anything out of your own pocket.   I am sure that you may have a few questions about getting treatment at no cost…questions like:

First, who is eligible for no cost chiropractic or medical treatment?

This is available to anyone in the state of Utah that has been in a car accident.  It doesn’t matter who was at fault for the accident, everyone has this coverage and it covers everyone that is in a vehicle during an accident, passengers and all.  This benefit is actually part of your car insurance benefits.  It is called Personal Injury Protection or PIP.  This is a required part of all insurance in the state of Utah even if you only have the minimum liability coverage you still have PIP.  The state of Utah requires every insurance to cover a minimum of $3,000 of chiropractic or medical bills if you have pain or injuries from a car accident.  If you speak to your insurance agent you can increase that amount very easily and for very little extra monthly cost.  This coverage covers 100% of all the bills you incur as a result of a car accident, up to the PIP limit.

Second, do I need to go to a certain clinic to get this care?

Short answer, NO you do not need to go to a specific clinic to get care.  By law the auto insurance has to pay the bills to whatever clinic or facility you go to, and they will pay whatever is medically necessary.  This is probably the most important thing when choosing a clinic to go to. If the clinic you go to doesn’t have a lot of experience in diagnosing or treating people that have car accidents, you may only get a few treatments paid for by the car insurance.  However if you go to someone that has experience with these types of injuries, it is very easy to get all the treatment you need covered by the insurance.

Why is this offered?

This is offered to protect you and those that are in the vehicle with you if you have been in a car accident.  It allows you to at least get some basic treatment to help you get better after an accident and not have to fight over who is at-fault and who should be paying for this treatment.

Are there any ‘strings’ attached?

The great thing about the PIP coverage on your auto insurance is there are no ‘strings’ attached.  Meaning it is available for any type of car injury regardless of damage and is available to all the occupants in the car.  The state of Utah also has a law that makes it so that insurance companies cannot increase your premium for using the PIP benefit on your car insurance.

Final point!

If you have specific questions about your PIP or making a claim call our office we are happy to help.  If you or someone you know has been in a car accident and have any concerns about the insurance or who is financially liable to pay do NOT wait to get evaluated.  We will do consultation and evaluation and walk you through the insurance process.  If for some reason the car insurance doesn’t pay we will NOT pass the bill on to you.  Call now to schedule or to get your questions answered 801-492-9300.