Resources and links for the injured.

Available Resources

Auto
Work Comp
Slip and Fall

Who Pays the Bill

Auto
- Chart
Munoz case
- Case says at-fault party must pay medical bills if injured person does not have no-fault insurance
Work Comp
Slip and Fall

How to get bill paid

Auto

Affidavit of No Insurance
Affidavit of Residency

Assigned Claims form

Work comp
See chart
Slip and fall
See chart

Why Insurance company denies bill

adverse medical examination

Insurance company claims bill was not reasonable

Insurance company claims bill was not necessary or is excessive

Insurance company claims bill is not caused by motor vehicle accident

lapse in treatment

insurance company claims bill is not a covered expense under the no-fault act such as beds, pillows, etc.

statute of limitation

How to contest insurance company denial

Arbitration
See Petition
Claims less than $10,000.00 at the time of filing of arbitration can be decided through the American Arbitration Association
Court
Claims greater than $10,000.00 at the time of filing must be decided in district court
Individual can file a complaint with the Commissioner of Insurance
See Insurance Commissioner's phone number and web site for insurance commissioner

Medical proof necessary to obtain benefits

office notes
billing records
narrative report
See form

Benefits

Mileage
See Mileage form
Reasonable parking and transportation costs
Wage loss
85% of gross average weekly wage up to $250.00 per week is the standard policy
NOTE: Some policies can be increased through stacking or election of additional coverage
- Sample disability slip
- Sample employment verification
Replacement services
Individuals are entitled to replacement services up to $200.00/week
NOTE: policies can change due to staking and additional coverage purchases