Find out if you have a good case
New Jersey’s personal injury protection auto insurance system is a package of insurance benefits which include medical expense benefits (hospital, medical, and related expenses incurred for treatment of injuries), income continuation benefits, essential services benefits, funeral and death benefits. Unfortunately, insurance carriers will often go to great lengths to deny accident victims’ right to have their medical expenses rightfully paid under a valid policy. Under New Jersey law, PIP arbitration is the mechanism to resolve disputes between medical providers and automobile insurance companies when the insurance company denies payment of your claim.
PIP is a complex system, and the road to payment has never been more frustrating or time-consuming. When you are recovering from injuries sustained in a motor vehicle accident, the last thing you should have to worry about is whether your car insurance company will pay or deny your medical claims under your PIP coverage. Unfortunately, many accident victims find themselves in exactly this position, facing a PIP arbitration process that is not only nuanced and involves a legalese language all its own but requires facing off against third parties who are motivated primarily to profit by denying your claims. At Birkhold & Maider, LLC, our skilled PIP arbitration lawyers in Nutley, NJ are here to help navigate the road to payment. Contact us to set up a free consultation to learn more about our firm and how we can help get your medical expenses paid through the PIP arbitration process.
Actions to recover compensation under PIP insurance policies from auto insurance companies often filter down from the healthcare provider to the insured injured person when insurance companies delay payment of approved claims following a car accident or other motor vehicle accident. While both medical providers and the insured have a vested interest in seeing these medical bills paid, car insurance companies have substantial motivation to minimize their own liability and deny or delay your claim.
Unfortunately, these tactics can undermine an accident victim’s ability to move forward and focus on recovering from their physical injuries. In situations where medical bills remain unpaid or underpaid by the PIP carrier in New Jersey, our experienced PIP arbitration lawyers can pursue payment directly from the insurance company by filing a PIP arbitration petition with Forthright Solutions. These proceedings are governed by rules set up by Forthright as approved by the Department of Insurance and Banking.
Pursuing your right to full payment of your medical expenses after a motor vehicle accident through successful arbitration, however, usually requires the guidance of a legal team experienced in PIP arbitration matters. At Nutley, NJ-based Birkhold & Maider, LLC, our experienced PIP arbitration lawyers have a proven track record of successfully helping clients obtain full payment of medical expenses under a PIP policy. We work tirelessly to assist clients in obtaining pre-certification of medical treatment and will take all necessary steps to file an arbitration demand with the National Arbitration Forum (NAF). The latter is a formal request for the NAF to appoint an arbitrator to settle the dispute between the auto insurance company and the healthcare provider to ensure your medical expenses are paid in full.
Even when you responsibly pay all insurance premiums required to maintain the PIP coverage required under New Jersey law, insurance carriers may challenge their liability for paying your medical expenses on any number of grounds. Our experienced PIP arbitration lawyers are well versed in the tactics that these insurance carriers use and will work tirelessly to counter those defenses to build a compelling case on your behalf in arbitration. Some common defense tactics that insurance companies frequently employ to deny fair payment for your medical expenses include, but are not limited to:
At Birkhold & Maider, LLC, our skilled PIP arbitration lawyers serve medical providers, injured parties and their families in Essex County and many other townships and jurisdictions across New Jersey. We have both the legal knowledge of the PIP arbitration process and the practical experience necessary to get results in your case, so call or contact our offices today to schedule a free initial case evaluation to discuss options for proceeding in your case.
While your health insurance may apply to cover your medical expenses if you have sustained injuries in a motor vehicle accident, in most cases PIP coverage will be your first recourse unless you have elected to have your health insurance function as your primary coverage in the event of sustaining injuries in an accident. In cases where this election is not made, PIP coverage will apply up to your coverage limits before you must resort to health insurance or pursue additional compensation via a personal injury lawsuit.
Arbitration is an alternative dispute resolution form where a neutral third party—often a lawyer—will hear arguments and review evidence from both parties and make a decision in your case. In most cases, the decision reached by the arbitrator is binding, much like a decision reached by a judge. Arbitration is the dispute resolution system used to resolve PIP disputes primarily to avoid clogging the courts with the many PIP disputes that tend to result under New Jersey’s no-fault insurance system.
Couldn't have worked with a better team. Bob & Jess were super helpful and made the process easier to get through. I highly recommend their services!what our clients are saying