Visitor Question

No Personal Injury Protection Insurance…

Submitted By: Loc (Vancouver, WA)

This car accident happened on August 31, 2010. I was going straight and the other car turned left in front of me and caused me to ram into it. My truck was totaled and my medical bills as of today, including emergency and ambulance of about $17,000, add up to about $26,000. I am still going to the chiropractor once a week.

I did not have Personal Injury Protection (PIP) at the time of the accident and I am incurring medical bills at the moment, would the insurance issue a settlement check to me only? Thanks.

Disclaimer: Our response is not formal legal advice and does not create an attorney-client relationship. It is generic legal information based on the very limited information provided. Do not rely upon the information in our response, or anywhere else on this site, when deciding the proper course of a legal matter. Always get a personalized case review from a local attorney.


Dear Loc,

Unless you have an attorney, the insurance company will send a check to you. If you have an attorney, the check would go to your lawyer made in both your names.

As far as having bills, it is very important to tell the medical providers that you are in the middle of a personal injury case. This will give them the option of placing a lien against your settlement.

This assures them payment basically in exchange for them waiting for it. With medical bills of $26,000 you should start your settlement negotiations at somewhere in the range of 4-5 times that figure.

The above is general information. Laws change frequently, and across jurisdictions. You should get a personalized case evaluation from a licensed attorney. Find a local attorney to give you a free case review here , or call (888) 647-2490.

Best of luck,

Published: December 7, 2010

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