You are injured in a car wreck that was caused by someone else.\u00a0 Fortunately, you have Personal Injury Protection (\u201cPIP\u201d) insurance on your own automobile policy.\u00a0 What are the conditions for PIP paying your medical bills?<\/p>\n
(a) Your treatment must be necessary to address injuries you suffered in the wreck;
\n(b) You must receive the medical treatment within 3 years of the date of the wreck;
\n(c) Your medical treatment must be performed by someone who is a licensed medical provider;
\n(d) The cost of your treatment must be reasonable.
\n(e) All of the above.<\/p>\n
Correct Answer:\u00a0 E<\/strong><\/p>\n Your PIP insurance will cover medical bills that are caused by a covered incident so that you can receive the medical treatment you need to treat your injuries.\u00a0 It applies even if no one is at fault for what happened, such as if you hit a deer.\u00a0 If you don\u2019t have PIP insurance, you will have to wait until you settle your case against the person who hit you in order to get reimbursed for that medical treatment.\u00a0 PIP is even better than health insurance because there is no deductible and you can choose your healthcare provider.\u00a0 It will even cover treatments such as massage therapy, acupuncture, physical therapy, and chiropractic treatments.<\/p>\n