Detailed Answer
When you’ve been injured in a car accident in Michigan, properly documenting and submitting your medical treatment records ensures timely payment of no-fault benefits and preserves your right to full recovery. Follow these steps:
1. Gather Complete Medical Records
Obtain copies of all treatment notes, diagnostic reports, therapy records and bills from every provider who treated you for accident-related injuries. This includes emergency care, hospital stays, imaging, surgeries, physical therapy, chiropractic care and prescriptions. Request itemized bills showing dates, services and charges.
2. Execute a HIPAA-Compliant Authorization
Your insurer will require a signed Medical Authorization (HIPAA release) before it can access your records. Use the form provided by your Personal Injury Protection (PIP) carrier or your attorney. Under federal law, insurers cannot collect your records without your written permission.
3. Organize and Itemize Your Bills
Arrange records chronologically or by provider. Create a summary table listing provider names, dates of service, treatment types, billed amounts and any payments you’ve made. Clearly highlight which services relate to the accident.
4. Submit to Your No-Fault Insurer
Under Michigan’s No-Fault Act (MCL 500.3142), insurers must pay “reasonably necessary” medical charges. Send the authorization, itemized summary, medical records and bills to your PIP carrier via certified mail or another trackable method. Include a cover letter with your claim number, policy details and accident date.
5. Monitor Deadlines and Follow Up
The insurer has 30 days to acknowledge receipt and 45 days to pay or deny benefits under MCL 500.3142(2). If you don’t receive confirmation or payment in that period, send a written demand citing the statute and your original submission date.
6. Preserve Your Right to Sue
If your benefits are denied or delayed and you must file a lawsuit, Michigan’s statute of limitations for personal injury gives you three years from the accident date (MCL 600.5805). File suit before that deadline to avoid losing your right to recover additional damages.
Helpful Hints
- Keep both digital and paper copies of every document you submit.
- Mail records via certified or registered mail with return receipt.
- Log all communications: dates, times, names of representatives.
- Track out-of-pocket expenses such as co-pays or mileage.
- Consider consulting an attorney promptly if your claim is denied or benefits are delayed.
Disclaimer: This article provides general information about Michigan law and is not legal advice. For guidance on your specific situation, consult a qualified attorney.