PIP is supposed to pay reasonable, necessary, accident-related medical expenses up to your policy limit. But sometimes an insurer pays less than the full amount of a bill, delays payment, or stops paying altogether. If that happens to you, it can be unnerving — especially if you’re worried about getting stuck with a balance while you’re still recovering. Here’s how to think...Read More
If your injury case is headed to civil arbitration, the hearing itself is usually shorter and far less intimidating than people imagine. There is no jury, often no courtroom, and much of the evidence is already on paper before anyone speaks. Still, your testimony matters, and a little preparation goes a long way. Here is a practical look at how to get ready and what the day tends to look like....Read More
Deciding to file a lawsuit is a meaningful step, and it’s one worth entering with clear eyes. Litigation can be the right choice when negotiation stalls, but it also opens the door to a process that is more involved and more personal than many people expect. Before you file, it helps to understand what you’re signing up for — not to scare you off, but so there are no surprises down...Read More
If a provider is treating you now and expecting to be paid from your eventual settlement, there is probably a document in your file that spells out how. It might be called a lien, an assignment, a letter of protection, or a letter of guarantee. People use these terms loosely, but they are genuinely different tools with different reach. Understanding which one you are dealing with helps you...Read More
One of the quieter but more important questions in any injury claim is deceptively simple: is this particular treatment related to the crash? It matters because different insurance policies pay for different things. One coverage might apply if your care is related to a car accident, while a different coverage — or none at all — might apply if it is not. So somewhere along the way, someone has...Read More
If you’ve been hurt in a car crash in Washington, one of the first coverages you’ll hear about is PIP — Personal Injury Protection. It’s often misunderstood, both by people who assume it pays for absolutely everything and by people who don’t realize they have it at all. Here’s a plain-language look at what PIP actually is, what it covers, and who it protects....Read More
