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January 1, 2013 Auto Insurance Changes

Starting January 1, 2013 if you are in a car accident and do not seek medical  treatment within 14 days after your accident you loose all your personal injury protection benefits through your auto insurance.

Yes, you heard right.  So it will be very important to see a doctor you trust.  One who can properly document all your injuries accurately and answer the questions that will arise.  If you do not see a physician within 14 days from the date of your accident, your health insurance becomes the primary payer for your injuries related to the accident.  This will undoubtedly cause more people to obtain attorneys to properly navigate through this nightmare.  

Also, if not diagnosed with an Emergency Medical Condition (EMC) you will only have $2,500 of personal injury protection benefits to treat your injuries, not the $10,000 you pay premiums for.  It will be very important to document any and all injuries that were a result of your accident.

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