What if my insurance company refuses to make "PIP" payments?
As long as treatments are related to injuries received in the accident and are reasonable in amount, the law requires that the PIP carrier pay all expenditures for chiropractic, medical or other therapeutic treatments.
Occasionally, an insurance company will refuse to pay additional medical bills, claiming the bills are either unrelated to the accident or excessive in amount. If this happens, you or your personal injury attorney should demand an arbitration hearing. Such hearings allow you and your doctor to establish the reasonableness and necessity of your treatment before a panel of three attorneys. In most cases, the hearing will result in your medical bills being paid.