Auto insurance question! Chiropractic care Need help asap?
I had an accident last week courtesy of a slippery road and a guy cutting me off (he did not stop and i have no info) My car is damaged past it’s worth and I’m getting another one this weekend. My dilema is this. I notified my insurance company, but haven’t claimed any damages. (The car isn’t worth a lot and I’m just trading it in so I don’t want to repair it.) My chiroprator found nerve strain in my back more than I had previously and it has been bothering me a bit, but I have a high pain threshold anyway. He’s advising me to file “no fault” medical claims and have my auto insurance company pay for increased visits (I was down to once every two weeks) and he wants me to come back a few times a week again now that my tests are showing this strain and I’m in a bit more pain. Will filing this “no fault” increase my rates when I come up for renewal? Or will they go up anyway? I’d like to go back for more visits, but I don’t want to pay more in rates if I can help it. Should I file?
Yes- by all means- file! You pay for insurance- by all means take advantage of it.
Florida is considered at “no-fault” state- pertaining to injury only. Im going to assume this is how your state is as well for the means of answering this question. What this means is regardless of fault your own insurance is primary for your injury.
Give them a call- say youd like a “Pip only claim” – and they will be responsible for 80% of your chiro bills (unless you have extended coverage in which case its 100%.) Furthermore, they generally cannot raise your rates by law for a PIP claim alone.
Rockville md – Chiropractic Care to Relieve Sore, Tight Muscle
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