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Car Insurance at Life Chiropractic and Injury Center

When it comes to insurance, the details can be difficult to understand. At Life Chiropractic and Injury Center, our team wants to simplify the process for you. Below, you’ll find more information about some of the most common questions regarding car insurance.

The accident wasn’t my fault. Why do I have to file a claim with my insurance?

Unless you waived what is called Personal Injury Protection (PIP), you are entitled to reimbursement for medical bills and lost wages through your own insurance. Filing a claim allows you to get your money within 3-6 weeks. If you wait for the third party’s insurance, you could be waiting for months or even years.

Won’t my rates go up if I file an insurance claim?

If the accident wasn’t your fault, your rates won’t increase.

How much will I be reimbursed?

PIP coverage is usually in increments of $2500. Some policies have $5000 or $7500 increments. The maximum reimbursement is usually $10000. Other policies have what is called Med Pay instead of PIP. Under both forms of coverage, your rates won’t change if the accident wasn’t your fault.

I’ve just been in an accident. What should I do?

Contact the claim number of your insurance company right away, then call us to schedule your appointment. We’ll coordinate with your insurance company and coach you through getting started.

I haven’t been in an accident but want to make sure I have the right coverage. What do I do?

Check with your policy to make sure that you have PIP coverage in place. It usually costs about $12-$25 per month depending on the insurance company.

I was at fault for my accident. Am I still entitled to benefits?

Yes! PIP coverage is for you to use no matter who is at fault for the accident. Your car insurance company will still cover your medical bills and lost wages. Your rates, however, will go up if the accident was your fault.

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Car Insurance Information Riverdale, Hyattsville, College Park, Takoma Park, Washington DC, Adelphi MD | (240) 467-5600