Understanding Motor Vehicle Accident (MVA) Claims
PERSONAL INJURY PROTECTION (PIP)
- We will bill your own car insurance under your PIP policy1 unless these benefits are exhausted or not available.
- If PIP is not available, we will bill your private (commercial) health insurance if available and if we are contracted with this insurance carrier. We depend on you to provide your commercial insurance info prior to scheduling your first appointment.
LETTER OF GUARANTEE/LIEN (LOG/LIEN)
- If PIP is not available and you do not have - or we do not contract with - your commercial insurance, we are open to treating you on a Letter of Guarantee (LOG) provided:
1. You want and would benefit from treatment from our clinic.
2. You have good legal representation - specifically a reputable attorney.
- The LOG states that you and/or your attorney will pay us at the time of your MVA claim settlement with available funds.
- At Your First Visit:
- We ask that you sign a LOG, given uncertainty about PIP benefits and other payment sources.
- Note that the LOG may never be needed, but it both protects us and allows you to get the care you need in a timely manner.
- We will forward the LOG to your attorney for their signature as well.
ACCEPTED COMMERCIAL INSURANCES
- Premera2
- Lifewise2
- Regence PPO
- First Choice PPO
- Kaiser (Access PPO only)
Note: Richard Seroussi, MD and Laura Lewis, ARNP are not contracted with health insurance.
1First party PIP (Personal Injury Protection) refers to the claim you have opened with your car insurance company. It is no-fault insurance and allows you to get timely treatment independent of liability for your MVA.
2Not all Premera and Lifewise plans are accepted by us, please check coverage with our staff.