Doesn't My Insurance Company Have to Pay My Medical Bills?
The short answer is "Yes." If you have personal injury protection
coverage as a part of your automobile policy your carrier is, by contract,
required to pay your medical bills that are related to the accident and that
are "reasonable and necessary" for the treatment of your injuries.
Insurance companies have recently been applying their own definitions to "reasonable
and necessary" medical care resulting in a stoppage of payment of your
bills. Insurance companies have legions of physicians that they employ to
give them opinions as to the reasonableness and necessity of care that has
been provided. Those physicians are bought and paid for by the insurers and
much more often than not they give opinions favorable to the insurance companies
and unfavorable to you. When this happens the insurance companies no longer
pay medical bills that you have incurred in the treatment of your injuries,
no matter what your actual treating physician or health care provider may
say in response. This leaves you, the victim, with large medical bills due.
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Washington State
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