Medical Mistakes a Leading Cause of Death in America

February 10th, 2012

A recent article in the Washingtonian highlights the patient safety problems facing our health care system today. The snippet below demonstrates why patient safety must be the focus of healthcare transformation.Medical Equipment

“In 2010, the federal government estimated that faulty medical care contributed to the death of about 15,000 Medicare patients per month. By these measures, faulty hospital care is one of the leading causes of death, behind heart disease and cancer. Why haven’t hospitals made more progress on patient safety? The reasons are multiple and complex, but they boil down to the fact that hospitals are hierarchical organizations resistant to change, they haven’t done enough to create environments in which patient safety is a priority, and they’ve been reluctant to share patient-safety data with the public. Even getting full compliance on basic safety standards, such as washing hands, has proved elusive because hospitals are busy, high-stress places full of distractions.”

Healthcare transformation should start with standards and teamwork that reduce errors—not removing accountability for harm done to patients. This is not about a conflict between doctors and patients. It’s about doing what is right for the patient.

Photo Credit: Alvimann, http://morguefile.com/archive/display/642981.

Memo to the Oregon Legislature: Protect the patient first, not last

February 8th, 2012

The Oregon Legislature is grappling with proposed health care transformation in this 2012 short session. Some legislators are so focused on “defensive medicine” that they are overlooking the whole goal of the health care system: patient health and safety.

A CATO Institute study shows that caps do not lower doctor’s insurance rates or prevent defensive medicine

The CATO Institute, a respected conservative/libertarian organization, published an analysis of an unbiased study that showed that limits on malpractice caps do not reduce either defensive medicine practices or the cost of malpractice insurance, but such caps do have a negative impact on patient safety because such caps remove an accountability mechanism.

The argument about “defensive medicine” is also dealt with by existing law, which prohibits such abuse of the medical system. A provider who orders testing with no therapeutic value commits insurance fraud, violates Oregon law, and ignores the first rule of medical ethics to do no harm. Also, doctors who order unnecessary tests put the patient at risk by subjecting the patient to unnecessary medical procedures.

Caps also failed to lower doctors’ insurance rates in other states that tried adding caps. The caps produced no noticeable effects on doctor liability insurance premiums—meaning that doctors continued to pay the same amount in premiums for less insurance coverage. The real beneficiaries of a cap like the one proposed in Oregon are not the doctors, but the insurance companies who can report higher profits and less risk to their bottom lines.

Real Solutions to a Real Problem

More than 98,000 Americans die every year from preventable medical errors. Imagine a 747 jet liner crashing every day, all year long, killing all on board—that’s about the numerical equivalent to those killed in the health system through errors. Because of that epidemic number, the main focus of healthcare transformation must be to improve patient safety, rather than to minimize accountability for substandard care.

Fortunately, some recent innovations have been able to achieve both aims: patient safety first, then cost reduction. For example, Legacy Emanuel recently participated in a national study where it implemented simple procedures and check lists for all hospital staff to follow. These check lists covered really simple things, like:

  • wash your hands between each patient,
  • make certain all medical equipment is accounted for before finishing a surgery, and
  • confirm that the chart in your hand matches the patient you are treating.

According to the Oregonian’s report on the results, using such a checklist saved Legacy over $13 million in one year, cut down on medical errors, and significantly lowered patient infection and injury rates. Other hospitals should follow this simple standard.

Another example of innovation in Oregon is the Oregon Health Plan’s recent use of outreach workers to help patients get the care they need early to prevent an emergency and help them understand how to navigate the system. These workers spend time with heavy users of the emergency medical system to understand their limitations and the needs they have, which, if met, would reduce their need for emergency services. The program is only five months old at this point, but it is working to get the patients the care they need and to reduce costs and burdens on the system.

OHSU began a program called 5G in 2010 that allowed nurses more control over their work space and to question procedures. That program successfully reduced falls in the unit, cut waste, and improved care. “These small efficiencies will save 5G nurses more than 250 hours in the coming year—and 200 miles in steps not taken.” And that was just one hospital. The program also responds to one of the biggest causes of a medication error: interruption. Under the program, nurses have “sacred space” where colleagues don’t interrupt them.

A legislative proposal implementing such proven methods of containing costs and improving patient safety would keep the focus in the right place: patient care and safety.

Justice for all…who have private health insurance

The problem with the proposed law is that it essentially creates a two-tier justice system.  The first tier is reserved for individuals with private insurance. The second tier is for patients on the Oregon Health Plan (OHP). The new legislation would strip OHP patients of a basic constitutional right to trial by jury and instead and would limit or cap how much OHP patients can sue for when they are injured due to negligent, substandard medical care. Keep in mind that in order to claim any damages at all, the patient must first prove to a jury that he or she received substandard, negligent medical care.

Thus, if you have the good fortune to have your own insurance, you would be able to hold a negligent care provider accountable for substandard or negligent care—just like holding a child who throws a baseball through a window accountable for the damage done to the window. That accountability is a basic right, guaranteed by the Constitution and the inviolate nature of a person’s sovereignty over their own body. However, if you are on OHP, the two-tier system of justice would limit your access to the same justice, regardless of how terrible the negligence, no matter how high your future medical costs, no matter your life situation. So much for equality before the law.

On a similar note, we must question whether Oregon really wants to allow the government to require a citizen to give up a constitutional right in order to receive state services. Remember, the constitution limits government, not the citizens’ rights.

Conclusion

Real reform of the problems plaguing our health system begin with placing the patient over the system, not protecting the system and insurance companies before the patient.

Photo Credit: http://morguefile.com/archive/display/42863

The Tea Party and Democrats Agree—Oppose Tort Reform

December 22nd, 2011

Two influential tea party leaders—Judson Phillips and Mark Meckler—have publically opposed federal tort reform efforts. So has Virginia Attorney General Ken Cuccinelli, who filed a lawsuit against the federal health care bill. The reasons range from limiting federal power over state judicial systems to the fact that juries and the courts are part of the internal regulation on the free market, thereby assuring it continues to function properly.

The Cato Institute, a widely respected libertarian think tank, reported in October 2011 that their study on medical malpractice caps showed that such limits on damages would endanger patients and wouldn’t reduce health care costs. The report notes that “In particular, caps on damages would reduce physicians’ and carriers’ incentives to keep track of and reduce practice risk.” The report also found that medical malpractice damage awards do match the injuries the victims suffered—there is not a “runaway jury” problem in America.

UnityThis growing grassroots voice in defense of the civil jury system is entirely consistent with the positions of both parties. As Judson Phillips so eloquently stated:

The free market is a wonderful system. It produces amazing efficiencies and amazing wealth. The free market system has delivered more prosperity to more people than any other system. There is another beauty to the free market system that many people do not think about. The free market system punishes bad behavior. If I open a business and decide to sell something that is a really bad product, people do not come to my business. I have the incentive to produce a really good product because that way people will want to come to my business.

The civil jury system is a part of the free market. Our founding fathers thought enough of it to make it the 7th Amendment to the Constitution. Jury awards are a part of the free market. They do not exist in a vacuum. They not only compensate someone for an injury but like so many other parts of the free market, they act to deter bad behavior.

If I am injured by a bad doctor or suffer some other type of injury or loss, I do not want the Federal Government telling me what my pain is worth. I want twelve citizens deciding justice for me.

The right to a jury trial has a long and storied history in America and even further back in Britain.

Much as the Federal Government is overstepping its bounds by ordering Americans to buy health insurance, the government is also overstepping its bounds by telling citizens and states how much they can award in law suits and also telling lawyers how much they can be paid. (sic)

The free market is an amazing thing. It needs almost no intervention to achieve the right result, and the civil jury trial is an important part of the free market.

Take a moment to tell your Senators and Congressmen we do not need the federal government telling states what to do and trampling on another one of our constitutional rights.”

The right to a jury trial is an inherent right, guaranteed by the federal Constitution and the Oregon Constitution. Without this right to a peaceful, impartial dispute resolution process, our society would quickly degenerate into a “might makes right” farce.

In this time of budget crisis, it is important to note that when someone is harmed by another, somebody must bear the cost of that injury. There are really three possibilities: the injured person, the person who hurt her, or society as a whole. Under our current system, the person who harms another must bear the cost of their negligence (much like when a child throws a ball through a window, she must pay to fix the window). The tort reform movement seeks to displace that responsibility and place it on someone else—either the injured person or society as a whole, through either government programs, charities, or even through the simple loss of that person’s productivity and contribution to society. Simply stated by the Cato Institute, “caps shift the costs of malpractice injuries from negligent providers to their victims.”

The argument to minimize damages for pain and suffering at its core rejects the premise that human life is precious and special. We’ve all heard the phrase “life’s not the breaths you take, but the moments that take your breath away.” We probably also have all felt relief on a Friday afternoon when the clock hit 5 and we could go home to a weekend of freedom. Most of us value our time on the weekend, our time to relax and take care of our personal lives, much more than we treasure our time at work (no matter how much we love our job). That’s why wage laws require employers to pay time and a half for overtime—those outside hours are worth more to everyone. Why then would the loss of that enjoyment, that freedom to pain be worth less than lost wages or medical bills? Our lives, our freedom from interference by the government or people around us, are worth so much! Much more than lost wages or money lost to medical bills. It is the damage to the person that is the worst harm—taking away her freedom to choose her activities, to live her life to the fullest, to subject her to completely unnecessary pain.

As a parting thought, it’s important to note that civil jury cases are almost always defended by insurance companies. Plaintiffs are not allowed to tell the jury that and the insurance company can hide behind the insured, but there is almost always an insurance company that pays the bill at the end (except punitive damages—the defendant almost always pays those personally). That’s why insurance companies spend so much money advocating for tort reform—they value their bottom line more than the lives of individuals like you and me.

Photo Credit:  http://www.everystockphoto.com/photo.php?imageId=964.

License Information: http://creativecommons.org/licenses/by/2.0/.

Closed Courthouse Doors

November 22nd, 2011

One day not too long ago there was a car crash in Oregon, just like there are on most days.  The innocent driver (let’s call him Sam) had done nothing wrong. He went to get medical care, relying on his car insurance policy that he had faithfully paid premiums on for years. His own insurance also covered his vehicle and repaired it fairly quickly, but his body took much longer to heal than the car did. Adjusters from the bad driver’s insurance company called Sam weekly, pushing him to settle his claim now, even though his back still hurt. Eventually, fed up with the pressure, he called an attorney.

That attorney took over Sam’s case and encouraged him to follow the advice of his doctors regarding his medical care. When the year of PIP medical benefits ran out, Sam still needed medical care—his back wasn’t better yet. Because he couldn’t afford to continue paying for treatment, he asked his lawyer to pursue settlement of the case. But the bad driver’s insurance company didn’t want to settle. It offered only a small fraction of the probable value of the case. This forced the attorney to file a lawsuit to get Sam fair compensation. Now Sam has to take time from his life to attend depositions, mediations, a medical exam by a doctor paid by the bad driver’s insurance company, and comply with discovery requests. A trial date is set, but it gets reset because an older case on the court’s docket has priority. By the time the second trial date approaches, it’s been 18 months since the lawsuit was filed.

This is a common story that repeats all over Oregon day after day. It takes a long time to get into court right now. Why does it take so long? Because court budgets, in Oregon and around the country, are being slashed.

Given the economic crisis, why should the average person care about court budgets? The simple answer is that the courts are a co-equal branch of government and to underfund them is to cripple one of the checks against government abuse. And it would be unconstitutional. The more complex answer is even more important.

In a typical injury case, the injured party usually suffers through a lot of pain, inconvenience, and frustration. Often there is no way to pay for medical care after the PIP benefits expire or are exhausted, which means the person must stop getting medical care, or the doctor must continue to treat hoping to eventually be paid when the case is resolved. This is difficult for everyone involved (except the bad driver’s insurance company who isn’t paying anything).

If the insurance company refuses to make a reasonable settlement offer, the injured person’s only recourse is to file a lawsuit and go to court. When it takes 18 months to get to trial, the injured person may have missed a lot of medical treatment in the most important time frame. Importantly though, for over a year the person has had to deal with the frustration of a lawsuit they didn’t want to bring, but had to because the insurance company refused to make a reasonable offer. Insurance companies can force innocent victims into court in an effort to wear them down rather than pay fairly. Because the court system is underfunded, things happen more slowly, giving more weight to this strategic defense tactic. (Even worse, now the insurance company can argue that Sam is greedy for claiming that he needs future medical treatment when he hasn’t treated in the last 18 months. But the real reason is that medical treatment is expensive and Sam doesn’t have health insurance, but he is often not allowed to this to a jury. Just as Sam is not allowed to tell you he’s really suing an insurance company, not the bad driver.)

There’s a reason that a “speedy trial” is mentioned in the US Constitution (6th Amendment). The phrase “justice delayed is justice denied” rings true to so many. The courts are an essential part of our justice system, both civil and criminal. Taxpayers have a right to expect that their courts will provide timely help to achieve protection and justice. Help your legislators know that funding the courts is essential to the functioning of a just society.

About Punitive Damages

September 7th, 2011

Much has been made about the supposed abuse of punitive damages in civil proceedings. Many people do not understand the different types of damages, which can lead to confusion about the issue.

In a civil case, the injured person claims “damages.” In this context damages means the amount of money it will take to make the person whole—to return the injured person to where she would have been if nothing had happened. These are “compensatory damages” because they compensate for what was lost. The money replaces what was taken away.

Such damages include everything covered by a receipt (such as medical bills, special equipment, lost wages, or help around the home) as well as intangible losses such as pain and suffering and loss of activities.

All such damages just make up for the harm that was done, just like paying for a window broken by a baseball. The players probably didn’t mean to break the window, but in justice still must pay to fix it regardless.

Purpose

Punitive damages are different. Punitive damages punish someone for their actions in order to deter similar actions in the future. Compensatory damages depend on how badly the injured person was harmed. Punitive damages depend on how bad the actions of the wrongdoer were.

To claim punitive damages in Oregon, proof must be shown of malice or recklessness. This essentially means that to claim punitive damages there must be proof that the defendant meant to hurt someone or knew they were going to hurt someone and did it anyway.

Process

To claim punitive damages in Oregon, the person must file a lawsuit and then petition the court for permission to add a claim for punitive damages. This means that a judge will review the facts available, including facts provided by an attorney for the wrongdoer. The judge will then decide whether the claim for punitive damages has proof to support it before punitive damages can be included in the claim.

Under Oregon law, you cannot claim punitive damages without first getting court permission. Once you’ve passed that hurdle, you still have to prove that the defendant either meant to hurt someone or knew they would hurt someone and did it anyway. The standard of proof is different too. Proving punitive damages requires “clear and convincing” evidence rather than a “preponderance” of the evidence required for compensatory damages (preponderance means more than 50% likely or “more likely than not”).

After proving and convincing a jury to award punitive damages, Oregon law directs that 60% of the money goes to the state for the Crime Victims’ Assistance program (ORS 31.735). The remaining 40% goes to the victim. This division awards something to the victim who suffered harm and who brought the legal action, but the majority of punitive damages goes generally to a wide class of victims of crime.

Closing Thoughts

Punitive damages are a way to punish a person or a company that either meant to hurt someone or knew they would hurt someone and did it anyway. That kind of behavior deserves punishment on top of compensating the injured person for what she has gone through.

Care Homes Failing to Care

August 26th, 2011

“Jonathan Carey did not die for lack of money.” So begins a New York Times series about the death of an autistic child at the hands of a state employee assigned to care for him and the system that failed him.

In late May 2011, the BBC announced that during an undercover investigation it videotaped repeated abuse of disabled people under the care of a residential hospital.

A family on the east coast recently used a nanny-cam to record abuse of their mother after the facility ignored their complaints, blaming the woman’s dementia for her protests of pain at the hands of her caregivers.

In Oregon, abuse of elderly people in nursing homes is far from uncommon. While hundreds of cases are reported to county Adult and Protective Services and the state DHS program, only a fraction of these result in fines or other punishment for the facility. In fact, Oregon DHS reported that it received over 20,000 calls reporting elder abuse in 2010 alone.

For adult foster homes and assisted living facilities the minimum penalties increased to $2,500 for failing to protect a resident from sexual abuse, and can rise to $15,000 for a 90-day period. In the past year DHS has not fined any facility more than the minimum, or $2,500, for sexual abuse. Nonsexual abuse fines in nursing homes range from $100 to $300 for “minor abuse,” $300 to $500 for moderate abuse, and $500 to $1,000 for serious abuse or abuse that results in death.

For the kind of abuse that is frequently uncovered, these fines are ridiculously low (when they are imposed at all). This is why it is the jury system is so important—without it, the corporate misconduct that tolerates and ignores the dehumanizing treatment of our respected and loved family members will go on unchecked. Facilities look at DHS fines as a “cost of doing business” and these large corporations with large balance sheets shrug them off.  By bringing wrongdoers to account and forcing companies to pay the real cost of their misconduct, juries make places like nursing homes and assisted living facilities safer for everyone and bring some justice to those who have been harmed by the negligence of others.

If you or a loved one has been abused in an assisted living facility, a nursing home, or other similar facility, please contact us. We can tell you about your rights and important legal deadlines in a free consultation. You do not have to be alone.

 

New Documentary: Hot Coffee

August 2nd, 2011

A new movie focused on access to the civil justice system and tort reform efforts has received a lot of attention lately. Hot Coffee, produced and directed by Ashland, Oregon resident Susan Saladoff, showcases four legal cases, including the infamous McDonald’s coffee case, and explores what really happened and what was going on behind the scenes.

The show first aired on HBO on June 27, 2011. The DVD will be available this fall.

Watch the trailer here:

 

For more information, visit hotcoffeethemovie.com and http://www.statesmanjournal.com/article/20110627/OPINION/106270333/1046.

What is underinsured or uninsured motorist coverage?

June 23rd, 2011

Much like a misplaced tool, uninsured motorist and underinsured motorist coverage don’t get noticed until something goes wrong and they are needed.

Auto Liability Insurance Basics

Oregon law requires that everyone who drives must have car insurance which covers both the driver and passengers. This mandatory insurance includes liability coverage (click here for information about PIP, another type of coverage). This means that every driver must have insurance to pay for damages to others. This insurance will pay for the other person’s medical bills, lost wages, lost future earning ability, pain and suffering, and other losses. The minimum amount of liability insurance in Oregon is $25,000. But what happens if you are injured because another driver was careless and you suffer damages greater than $25,000?

Underinsured Motorist Coverage

In some circumstances, your own car insurance policy will cover you if the person who hit you doesn’t have enough insurance. Say for example your damages are $100,000, but the driver who hit you only had a $25,000 policy. Where will the other $75,000 come from?

“Underinsured” motorist coverage in Oregon usually has the same limit as your liability insurance coverage. This means if you bought a $25,000 policy, your underinsurance coverage is probably $25,000. In Oregon, underinsurance benefits do not “stack,” which means in this case, you are stuck with the $25,000 limit of the bad driver’s policy. However, if you bought a $50,000 policy, you have an additional $25,000 of your own insurance available to cover your damages, for total coverage of $50,000 ($25,000 from the bad driver’s insurance policy, plus an additional $25,000 from your own policy). This is still less than your damages, but better than before. If you purchased a $100,000 policy, the other side’s insurance company will pay its $25,000 limits, then your policy would pay the rest of your damages, or the next $75,000, for a total of $100,000.

Uninsured Motorist Coverage

What if the bad driver who hit you has no insurance at all? In Oregon, your auto insurance policy also includes what is called “uninsured” motorist coverage. This means if the bad driver has no insurance at all, your insurance policy will cover your damages. Here too, your recovery will be limited by the limits of your policy—if you purchased a $25,000 policy, you can only recover up to $25,000. The same is true with larger policies as well—your claim against your own insurance policy for someone else’s negligence is limited by your policy limits.

Conclusion

Oregon law requires each of these types of insurance be included in your own auto insurance coverage. If you have questions regarding insurance coverage for a significant injury from a car accident, contact us. We’ll give you a free initial consultation and explain your rights to you.

After a car wreck, feed your brain

May 3rd, 2011

If you’ve just been in a car wreck or hit your head, one of the most important things you can do is grab a snack. Preferably as you’re on your way to get medical attention. The Institute of Medicine recently released a report showing that after head trauma, you need to eat a lot of protein within 24 hours. This can reduce your chances of death (mortality) and your chances of ongoing problems or complications (morbidity), particularly in serious injuries. The calories and protein give your body and mind the fuel they need to heal and that first 24 hour period is critical. Balanced blood sugar is also important, so avoid sugary snacks for a bit. You should keep focusing on getting more protein than normal for at least two weeks after the injury.

The Institute’s research focused on military personnel in combat zones, but the same principles are true for any kind of concussion, including injuries from auto accidents, even sports injuries.

Traumatic brain injuries (or TBI) can range from mild to severe. The report indicates that concussions (mild traumatic brain injuries) account for more than 75% of civilian traumatic brain injuries every year. The Center for Disease Control (CDC) says that “it is clear that the consequences of [mild traumatic brain injury] are often not mild.” What the CDC means is that a mild traumatic brain injury is described as mild because of the amount of force that caused it—not the consequences of the injury.

The CDC defines mild traumatic brain injury as a result from a blunt trauma injury to the head or injury to the head because of acceleration or deceleration forces (meaning the head does not necessarily have to hit anything to cause a traumatic brain injury). A mild traumatic brain injury also involves one or more of the following:

  • Observed or self-reported:
    • Momentary confusion, disorientation, or impaired consciousness;
    • Loss of memory around the time of injury;
    • A short loss of consciousness (less than 30 minutes).
  • Observed signs of neurological or neuropsychological dysfunction, such as:
    • Seizures immediately after injury to the head;
    • Infants and very young children may become irritable, lethargic (tired), or vomit following head injury;
    • Older children and adults sometimes have a headache, dizziness, irritability, fatigue, or poor concentration soon after injury.

If you have experienced a traumatic brain injury immediate medical care is important. It is your best chance for the best outcome. Just don’t forget to eat too.

Personal Injury Protection or PIP

April 21st, 2011

When you’re in an accident, one of the first issues you have to deal with is how to pay the medical bills. The medical bills may be small if you didn’t get hurt very badly. Other times, people get severely injured and the bills are huge. In Oregon, all car insurance policies are required to provide “Personal Injury Protection,” also known as PIP. This insurance coverage on your policy will pay for some your bills up to your PIP limits.

Each of the following different types of benefits come from different envelopes of money. That means if you exhaust your medical benefits, you can continue to collect lost wages—that is a different benefit, so it comes from a different envelope.

Medical Benefits

The minimum amount of PIP medical benefits allowed by law is $15,000 that must cover at least one year. PIP medical benefits must last through either the maximum amount of benefits (the limit) or through the end of the first year after the accident. Some insurance policies provide PIP medical benefits that cover more than one year or  more than the minimum of $15,000. If you use up all your medical benefits, the policy is “exhausted.” Any amount of benefits you do not use in the time limit “expire” and are no longer available to you. Because of this, it is important to get all the medical treatment you need and your doctors recommend in that first year. That first year is also when the treatment probably will do your body the most good, which is the most important reason to get treatment early.

PIP medical benefits are not limited to certain providers like your regular health insurance is, so you can go see your choice of doctors and get your choice of treatment, including alternative treatments like chiropractic services, physical therapy, massage, acupuncture, and others. You do not need pre-approval from your insurance company to go see a doctor. For expensive procedures, your doctor may want to request pre-approval, but it is not required for you to use your PIP benefits.

Lost Wages

PIP benefits will also pay lost wages. The rules for paying lost wages can get a little complex because the Oregon statute that sets out the rules is also a little complicated. PIP wage loss includes wages, salary, tips, commissions, professional fees, business profits, and even unemployment benefits. To qualify for a wage loss claim you must miss work for 14 consecutive days (essentially two weeks in a row). After the first set of consecutive days, you can miss additional work sporadically (miss a day here or there) and PIP will pay those lost wages too. PIP will pay lost wages for up to a year of missed work—this means that you can miss 52 weeks of work and PIP will pay your wages, and the 52 weeks do not have to occur in the same year. Unlike medical benefits, PIP wage loss benefits do not expire at the end of the first year.

PIP wage loss benefits do have some additional limits. PIP will only pay 70% of the amount you would have earned for the time you lost. Also, PIP only has to pay $3,000 per month maximum.

Essential Services/Household assistance

If you do not work and are so injured that you cannot do things you used to—like housework or cleaning—PIP will pay for “essential services” up to $30 per day for up to 52 weeks. To qualify, you must be unable to do these tasks yourself for 14 consecutive days (two weeks in a row) and the person you choose to help you cannot be a relative or live with you.

Funeral Expenses

PIP benefits will also cover up to $5,000 in funeral expenses within one year of the motor vehicle wreck.

Child Care

If you do not work and have to be hospitalized for at least 24 hours, PIP will pay for child care, up to $25 per day, up to a total of $750. PIP will pay for this child care for as long as you are unable to return to work or as long as you are unable to perform “essential services.”

Availability of PIP Benefits

All the different types of PIP benefits are available to you regardless of whether you were at fault or someone else was at fault. This is considered a “no-fault” part of your policy. If you were not at fault, your PIP insurance company will seek reimbursement of the benefits that it provided to you. It can do this by seeking reimbursement from the at-fault party’s insurance company or if you make a claim against the at-fault insurance party, it may ask you to recover its payments. If you have been severely injured, there may not be enough insurance coverage to cover all your losses and PIP will not get paid back.

When dealing with severe medical conditions and injuries, you have more important things to spend your time on than figuring out which insurance coverage pays which bills, what the policy numbers are, and who you need to notify. If you have been severely injured, you should talk to an attorney. We can help you understand your rights in your free initial consultation.