People that suffer injuries in car accidents often have questions about what kind of medical treatment they are permitted to get in the first few days after the accident. The short answer is that you can get any medically necessary emergency treatment, i.e. hospital ER, within the first 120 hours after an accident and you can get any other medically necessary treatment from the doctor of your choice within the first ten days after an accident and your PIP (personal injury protection) coverage is required to pay for it. Once you are beyond the 10 day initial period following the accident, treatment must be pre-certified before it is rendered.
So, if you want to see your primary care doctor first after an accident, within the first 10 days and have your car insurer pay for it, then you may. You may also see a specialist, if it is necessary, within those first 10 days without prior approval from the insurer. Nonetheless, you should make sure that you have a PIP claim number to give to your medical service provider. You obtain that number by opening up a claim with your car insurance company.
The complete regulations governing insurer’s obligations to pay for medical treatment may be found at the New Jersey Dept. of Banking and Insurance website at this link: http://www.state.nj.us/dobi/pipinfo/njac11_3_4_effect130104.pdf
About RAM Law
RAM Law represents all of Central Jersey in personal injury cases and is staffed by experienced accident and injury attorneys. We provide legal help for victims of slip and fall accidents, medical malpractice, workplace injuries, truck and car accidents, and other personal injuries. Call (732) 247-3600 to discuss your case and set up a free consultation at our New Brunswick or Somerville law offices.