Auto Insurance Claims/PIP

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Expert: Bennie719 - 11/8/2007


Question
I had a car accident about a year ago and my PIP had concluded; but I need to continue to go to the doctor until I reach the max improvement.Last week, my own insurance let me a message saying that they going to close my file because my treatment had concluded. I know that they will not pay any medical bill after a year. But is it OK to let them close my file or I must make them to continue to open my case since I have not finish my treatment yet. I don`t have any idea about this situation, please help.
Thank you
Sincerely,
Lan

Answer
Hi Lan,
If you don't already have copies of all your medical bills then you need to secure them from the insurance company before they close the file.
Closing the file doesn't men it is destroyed, simply shipped to some distant warehouse where it must be kept for 7 years.
Sincerely,
Bennie
11-07-07 7:00 PM PST

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Bennie719

Expertise

I have extensive knowledge in Personal Auto, Homeowners Insurance and Personal Umbrella coverage. I am also thoroughly familiar with claims handeling procedures. Will answer questions related to the above.

Experience

Experience in the area: Served as an expert at askme.com from 7/2000 thru 10/2002 in the catagories of general insurance, auto and home insurance. Answered 422 questions before that site closed. Licensed in California since 1961, first in Life and Health for 2 + years and as a Property/Casualty Agent/Broker since 1964. I sold my business and took early retirement in 1998. Still maintain a valid California Property/Casualty Agent/Broker license. I have been a volunteer at allexperts.com since 2002. I can provide assistance in the following fields: Property and Casualty Insurance, Insurance Law, Auto Insurance Claims.

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