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For example, if someone presents with an acute low back injury, the provider may want to restrict that person from household activities such as vacuuming since that may cause an exacerbation of the condition. Although a patient has pip insurance coverage, in some cases the patient may try to direct that the doctor’s office not contact his or her automobile insurance company.Sometimes the provider’s office will get an objection from the patient indicating that since the accident was not his or her fault, the insurance company should not be involved (because of unspoken fear that insurance rates may go up or coverage will be canceled).
Under the Obama administration, this constitutional right was seriously eroded," Republican House of Representatives Speaker Paul Ryan said."The Trump administration just took direct aim at birth control coverage for 62 million women," Planned Parenthood Federation of America President Cecile Richards said."With this rule in place, any employer could decide that their employees no longer have health insurance coverage for birth control," Richards added.
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Typically, it has been our experience that well over 90 percent of all individuals involved in accidents who have auto insurance coverage have pip coverage. All pip policies of all insurers in the state of Washington have to satisfy mandatory minimum requirements of coverage set by law and regulation.
Interestingly, there is not much difference between policies issued by State Farm, Farmers, Allstate, Pemco, Amica, Mutual of Enumclaw, Liberty Mutual, etc., when it comes to providing the pip safeguards required by Washington law.
All pip policies in Washington have three components: medical benefits, wage loss benefits, and loss of services.
Medical: Pip covers, at a minimum, medical expenses of any licensed health care provider (ambulance, hospital emergency room, diagnostic tests, CT or MRI scans, medical, osteopathic and chiropractic visits, orthotic devices, medications, physical therapy, massage therapy, etc.) for three years from the date of the accident or up to ,000, whichever comes first.
However, there is an exclusion in all policies for the first 14 days from the date of the accident.
If your patient earns 0 per week and is disabled from work for the first four weeks following the accident, the insurer would not have to pay the first two weeks but would have to pay the last two weeks.
“Pip” is an abbreviation for personal injury protection insurance.
It is just one part of an auto insurance policy that today’s health care provider needs to be aware of when treating patients with injuries.
Again, similar to the medical provision, the wage loss provision has to meet mandatory minimum requirements in Washington law.