Post on 16-Oct-2021
Da
vis
La
w G
rou
p,
P.S
.
21
01
Fo
urt
h A
ve.,
Su
ite
63
0
Sea
ttle
, W
A 9
81
21
20
6.7
27
.40
00
Da
visL
aw
Gro
up
Sea
ttle
.co
m
Mo
torc
ycl
e A
ccid
en
ts
Pri
ma
ry
PIP
no
t a
uto
ma
tica
lly r
eq
uir
ed
fo
r
mo
torc
ycle
po
licie
s. I
f P
IP e
xist
s,
bill
th
e P
IP o
r M
ed
Pa
y fo
r th
e
pa
tie
nt’
s m
oto
rcyc
le p
olic
y.
Se
con
da
ry
If p
ati
en
t w
as
pa
sse
ng
er
on
mo
-
torc
ycle
an
d/o
r p
ati
en
t o
r p
a-
tie
nt’
s h
ou
seh
old
did
no
t o
wn
mo
torc
ycle
, b
ill p
ati
en
t’s
pe
rso
na
l
car
PIP
po
licy
Ad
dit
ion
al
If p
ati
en
t is
a m
ino
r &
pa
ren
ts
are
div
orc
ed
: p
ati
en
t ca
n p
oss
i-
bly
ma
ke c
laim
un
de
r b
oth
pa
r-
en
ts’
au
to P
IP p
olic
ies.
Bill
th
e A
uto
PIP
carr
ier
i.e
. th
e c
ar
tha
t h
it t
he
pa
tie
nt.
Se
con
da
ry
Bill
pa
tie
nt’
s a
uto
PIP
ca
rrie
r o
r th
e P
IP
insu
ran
ce o
f so
me
-
on
e in
pa
tie
nt’
s
ho
use
ho
ld.
Ad
dit
ion
al
If p
ati
en
t is
a m
ino
r &
pa
ren
ts a
re d
ivo
rce
d:
pa
tie
nt
can
po
ssib
ly
ma
ke c
laim
un
de
r b
oth
pa
ren
ts’
au
to/P
IP p
olic
y.
Pe
de
stri
an
or
Bic
ycl
e
Acc
ide
nts
PIP
In
sura
nce
Bil
lin
g G
uid
e
Sce
na
rio
: P
ati
en
t in
jure
d
an
au
to N
OT
ow
ne
d b
y
him
/he
r o
r a
no
the
r
me
mb
er
of
the
sa
me
ho
use
ho
ld
Pri
ma
ry
Bill
pa
tie
nt’
s P
IP c
arr
ier
or
PIP
ca
rrie
r co
veri
ng
the
au
to p
ati
en
t w
as
in.
Se
con
da
ry
Bill
pa
tie
nt’
s P
IP c
arr
ier
or
PIP
ca
rrie
r fo
r so
me
-
on
e in
pa
tie
nt’
s h
ou
se-
ho
ld.
Ad
dit
ion
al
If p
ati
en
t is
a m
ino
r &
pa
r-
en
ts a
re d
ivo
rce
d:
pa
tie
nt
can
po
ssib
ly m
ake
cla
im
un
de
r b
oth
pa
ren
ts’
au
to
PIP
po
licie
s.
Sce
na
rio
: P
ati
en
t a
pa
sse
ng
er
in a
n
un
insu
red
ve
hic
le
Pri
ma
ry
Bill
pa
tie
nt’
s o
wn
PIP
. I
f
pa
tie
nt
do
esn
’t o
wn
a c
ar,
or
ha
s n
o P
IP,
the
n b
ill a
PIP
po
licy
in p
ati
en
ts
ho
use
ho
ld.
Se
con
da
ry
If p
ati
en
t a
min
or
& p
ar-
en
ts a
re d
ivo
rce
d:
pa
tie
nt
can
po
ssib
ly m
ake
cla
im
un
de
r b
oth
pa
ren
ts’
au
to
PIP
po
licie
s.
Sce
na
rio
: If
pa
tie
nt
wa
s
inju
red
in h
is/h
er
ow
n
au
to o
r in
an
au
to
ow
ne
d b
y so
me
on
e in
pa
tie
nt’
s h
ou
seh
old
Pri
ma
ry
Bill
PIP
fo
r th
at
au
to.
Se
con
da
ry
If p
ati
en
t is
a m
ino
r &
pa
r-
en
ts a
re d
ivo
rce
d:
pa
tie
nt
can
po
ssib
ly m
ake
cla
im
un
de
r b
oth
pa
ren
ts’
au
to
PIP
po
licie
s.
Au
to A
ccid
en
ts
Th
e T
en
Big
ge
st M
ista
ke
s T
ha
t C
an
Wre
ck Y
ou
r W
ash
ing
ton
A
ccid
en
t C
ase
b
y C
hri
sto
ph
er
M. D
av
is,
Att
orn
ey
at
La
w
It
’s FREE
as
a p
ub
lic s
erv
ice
to
inju
red
WA
ci
tize
ns!
Ge
t yo
ur
cop
y to
da
y b
y v
isit
ing
:
ww
w.W
ash
ingto
nAccidentB
ook
.co
m
*S
om
e p
olic
ies
all
ow
yo
u t
o s
tack
th
e P
IP c
ove
rag
e (
$1
0,0
00
+ $
10
,00
0)
wh
ile o
the
rs w
ill o
nly
ext
en
d s
eco
nd
ary
co
vera
ge
in a
n a
mo
un
t g
rea
ter
tha
n t
he
pri
ma
ry a
mo
un
t. E
xam
ple
: If
th
e p
rim
ary
co
vera
ge
is $
10
,00
0 a
nd
th
e s
eco
n-
da
ry is
$2
5,0
00
, th
e m
ost
th
e s
eco
nd
ary
po
licy
will
allo
w is
$1
5,0
00
. Y
ou
sh
ou
ld a
lwa
ys r
eq
ue
st c
op
y o
f P
IP p
oli
cy t
o m
ake
su
re.
*W
ash
. la
w r
eq
uir
es
ma
nd
ato
ry P
IP c
ove
rag
e u
nle
ss t
he
po
licy
ho
lde
r re
ject
s P
IP in
wri
tin
g.
If
the
ca
rrie
r sa
ys n
o c
ove
rag
e,
alw
ays
ask
fo
r co
py
of
the
in
sure
d’s
wri
tte
n P
IP r
eje
ctio
n.
If
no
wri
tte
n r
eje
ctio
n is
pro
du
ced
, th
e c
arr
ier
mu
st o
ffe
r P
IP c
ove
rag
e —
no
exc
ep
tio
ns.
Denia
l of PIP Insura
nce M
edical C
laim
Denia
l of PIP Insura
nce M
edical C
laim
Denia
l of PIP Insura
nce M
edical C
laim
Denia
l of PIP Insura
nce M
edical C
laim
Ther
e ar
e se
vera
l rul
es t
hat
gove
rn u
nder
wha
t ci
rcum
stan
ces
an a
uto
insu
ranc
e co
mpa
ny c
an d
eny
or li
mit
a P
IP m
edic
al c
laim
.Th
ere
are
seve
ral r
ules
tha
t go
vern
und
er w
hat
circ
umst
ance
s an
aut
o in
sura
nce
com
pany
can
den
y or
lim
it a
PIP
med
ical
cla
im.
Ther
e ar
e se
vera
l rul
es t
hat
gove
rn u
nder
wha
t ci
rcum
stan
ces
an a
uto
insu
ranc
e co
mpa
ny c
an d
eny
or li
mit
a P
IP m
edic
al c
laim
.Th
ere
are
seve
ral r
ules
tha
t go
vern
und
er w
hat
circ
umst
ance
s an
aut
o in
sura
nce
com
pany
can
den
y or
lim
it a
PIP
med
ical
cla
im.
Firs
t, in
eve
ry c
ase
prio
r to
den
ying
a c
laim
for
PIP
ben
efit
s, t
he in
sura
nce
carr
ier
mus
t pr
ovid
e th
e cl
aim
ant
wit
h a
writ
ten
expl
ana-
tion
of c
over
age
unde
r th
e po
licy,
and
incl
ude
a no
tice
tha
t th
e ca
rrie
r m
ay d
eny,
lim
it o
r te
rmin
ate
bene
fits
in c
erta
in s
itua
tion
s.
Seco
nd, t
he P
IP c
arrie
r m
ay o
nly
deny
, lim
it o
r te
rmin
ate
PIP
bene
fits
if t
he t
reat
men
t is
con
side
red
eith
er (1
) not
rea
sona
ble,
(2) n
ot
nece
ssar
y, (3
) not
rel
ated
to
the
acci
dent
, or
(4) n
ot in
curr
ed w
ithi
n 3
year
s af
ter
the
acci
dent
. Th
ese
are
the
only
rea
sons
whi
ch w
ill Th
ese
are
the
only
rea
sons
whi
ch w
ill Th
ese
are
the
only
rea
sons
whi
ch w
ill Th
ese
are
the
only
rea
sons
whi
ch w
ill ju
stif
y a
deni
al o
f th
e cl
aim
.ju
stif
y a
deni
al o
f th
e cl
aim
.ju
stif
y a
deni
al o
f th
e cl
aim
.ju
stif
y a
deni
al o
f th
e cl
aim
. O
nly
one
of t
hese
fou
r re
ason
s ne
ed b
e pr
esen
t to
just
ify
a de
nial
. Th
ird, t
he P
IP c
arrie
r’s
deci
sion
to
deny
, lim
it, o
r te
rmin
ate
the
clai
man
t’s
PIP
bene
fits
mus
t be
bas
ed o
n th
e re
view
and
opi
nion
of
a m
edic
al o
r he
alth
care
pro
fess
iona
l, i.e
., a
phys
icia
n. S
peci
fica
lly, a
"med
ical
or
heal
th c
are
prof
essi
onal
" can
not
incl
ude
an in
sura
nce
com
-Sp
ecif
ical
ly, a
"med
ical
or
heal
th c
are
prof
essi
onal
" can
not
incl
ude
an in
sura
nce
com
-Sp
ecif
ical
ly, a
"med
ical
or
heal
th c
are
prof
essi
onal
" can
not
incl
ude
an in
sura
nce
com
-Sp
ecif
ical
ly, a
"med
ical
or
heal
th c
are
prof
essi
onal
" can
not
incl
ude
an in
sura
nce
com
-pa
ny's
clai
m r
epre
sent
ativ
es, a
djus
ters
, or
man
ager
s or
any
hea
lth
care
pro
fess
iona
l in
the
dire
ct e
mpl
oy o
f th
e in
sure
r. pa
ny's
clai
m r
epre
sent
ativ
es, a
djus
ters
, or
man
ager
s or
any
hea
lth
care
pro
fess
iona
l in
the
dire
ct e
mpl
oy o
f th
e in
sure
r. pa
ny's
clai
m r
epre
sent
ativ
es, a
djus
ters
, or
man
ager
s or
any
hea
lth
care
pro
fess
iona
l in
the
dire
ct e
mpl
oy o
f th
e in
sure
r. pa
ny's
clai
m r
epre
sent
ativ
es, a
djus
ters
, or
man
ager
s or
any
hea
lth
care
pro
fess
iona
l in
the
dire
ct e
mpl
oy o
f th
e in
sure
r. T
hus,
an
adju
stor
can
-no
t de
ny a
PIP
cla
im o
n hi
s or
her
ow
n, a
nd w
itho
ut t
he s
uppo
rt o
f a
med
ical
opi
nion
. Fo
urth
, the
med
ical
or
heal
thca
re p
rofe
ssio
nal r
elie
d on
by
the
carr
ier
mus
t be
cur
rent
ly
mus
t be
cur
rent
ly
mus
t be
cur
rent
ly
mus
t be
cur
rent
ly
licen
sed,
cer
tifi
ed, o
r re
gist
ered
to
prac
tice
in t
he s
ame
heal
th f
ield
or
spec
ialt
y as
the
hea
lth
licen
sed,
cer
tifi
ed, o
r re
gist
ered
to
prac
tice
in t
he s
ame
heal
th f
ield
or
spec
ialt
y as
the
hea
lth
licen
sed,
cer
tifi
ed, o
r re
gist
ered
to
prac
tice
in t
he s
ame
heal
th f
ield
or
spec
ialt
y as
the
hea
lth
licen
sed,
cer
tifi
ed, o
r re
gist
ered
to
prac
tice
in t
he s
ame
heal
th f
ield
or
spec
ialt
y as
the
hea
lth
care
pro
fess
iona
l tha
t tr
eate
d th
e in
sure
d.ca
re p
rofe
ssio
nal t
hat
trea
ted
the
insu
red.
care
pro
fess
iona
l tha
t tr
eate
d th
e in
sure
d.ca
re p
rofe
ssio
nal t
hat
trea
ted
the
insu
red.
Fi
fth,
if t
he c
laim
ant
is b
eing
tre
ated
by
mor
e th
an o
ne h
ealt
h ca
re p
rofe
ssio
nal,
the
re-
view
sha
llsh
all
shal
lsh
all b
e co
mpl
eted
by
a pr
ofes
sion
al li
cens
ed, c
erti
fied
, or
regi
ster
ed t
o pr
acti
ce in
the
sa
me
heal
th f
ield
or
spec
ialt
y as
the
prin
cipa
l pre
scrib
ing
or d
iagn
osin
g pr
ovid
er, u
nles
s ot
herw
ise
sam
e he
alth
fie
ld o
r sp
ecia
lty
as t
he p
rinci
pal p
resc
ribin
g or
dia
gnos
ing
prov
ider
, unl
ess
othe
rwis
e sa
me
heal
th f
ield
or
spec
ialt
y as
the
prin
cipa
l pre
scrib
ing
or d
iagn
osin
g pr
ovid
er, u
nles
s ot
herw
ise
sam
e he
alth
fie
ld o
r sp
ecia
lty
as t
he p
rinci
pal p
resc
ribin
g or
dia
gnos
ing
prov
ider
, unl
ess
othe
rwis
e ag
reed
to
by t
he in
sure
d an
d th
e in
sure
r. ag
reed
to
by t
he in
sure
d an
d th
e in
sure
r. ag
reed
to
by t
he in
sure
d an
d th
e in
sure
r. ag
reed
to
by t
he in
sure
d an
d th
e in
sure
r. Th
is d
oes
not
proh
ibit
the
insu
rer
from
pro
vidi
ng a
ddi-
tion
al r
evie
ws
of o
ther
cat
egor
ies
of p
rofe
ssio
nals
.
Fina
lly, t
he in
sura
nce
com
pany
’s e
xpla
nati
on f
or t
he d
enia
l of
PIP
bene
fits
mus
t be
cle
ar
enou
gh s
o th
at t
he c
laim
ant
does
not not
not
not
need
to
reso
rt t
o ad
diti
onal
res
earc
h to
und
er-
addi
tion
al r
esea
rch
to u
nder
-ad
diti
onal
res
earc
h to
und
er-
addi
tion
al r
esea
rch
to u
nder
-st
and
the
reas
on f
or t
he a
ctio
n.st
and
the
reas
on f
or t
he a
ctio
n.st
and
the
reas
on f
or t
he a
ctio
n.st
and
the
reas
on f
or t
he a
ctio
n. A
sim
ple
stat
emen
t, f
or e
xam
ple,
tha
t th
e se
rvic
es a
re
"not
rea
sona
ble
or n
eces
sary
" is
not
suff
icie
ntno
t su
ffic
ient
not
suff
icie
ntno
t su
ffic
ient
.
Da
vis
La
w G
rou
p,
P.S
. 2
10
1 F
ou
rth
Ave
., S
uit
e 6
30
Sea
ttle
, W
A 9
81
21
20
6.7
27
.40
00
Da
visL
aw
Gro
up
Se
att
le.c
om
C
hri
s D
av
is
Att
orn
ey
At
Law