by Guest » Mon Jun 10, 2013 01:09 pm
Hi,
I submitted a PIP claim for my accident last June (2012). My bills were about 90K and I have a 100K limit.
My insurance is denying the claim saying my sister also has insurance at my household and i should go to her insurance, however she moved out and changed insurances around March 2012.
What should i do? Is arbitration the answer?
I submitted a PIP claim for my accident last June (2012). My bills were about 90K and I have a 100K limit.
My insurance is denying the claim saying my sister also has insurance at my household and i should go to her insurance, however she moved out and changed insurances around March 2012.
What should i do? Is arbitration the answer?
Posted: Tue Jun 11, 2013 12:35 am Post Subject:
Simply file a claim with her carrier. If they pay it, great. If they don't submit that denial (and reason for the denial) to your carrier and point out that they need to reconsider. States are pretty strict that PIP carriers pay. If the other carrier denies and your carrier denies then you'd have much better case against a carrier as they could no longer point the finger elsewhere. That is, the court would know you _should_ get PIP from one of them so they would simply be forced to make one of them pay you. Your carrier knows this which is why they'd probably pay your PIP claim if the other carrier denied it.
You could submit to arb but you'd be leaving an out for your carrier (they could/would argue that your PIP needs to come from your sisters carrier). You'd be closing that door by getting a denial from them. I think that is the path of least resistance at this point.
Posted: Tue Jun 11, 2013 01:53 pm Post Subject:
Thanks Tcope !
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