3860 Trade Center Drive, Ann Arbor, MI 48108 Mon–Fri 9:00 AM – 5:30 PM
Toll-Free (800) 373-0065 Phone (734) 334-8149 Fax (844) 416-0360

Auto Accident · Michigan No-Fault

Medical equipment after a car accident

Injured in a motor vehicle accident? Michigan no-fault Personal Injury Protection (PIP) benefits can pay for prescribed medical equipment. We verify your PIP coverage, deliver the equipment and submit the claim to the auto insurer.

Call (800) 373-0065

Michigan No-Fault

How auto insurance covers medical equipment

Under Michigan’s no-fault system, Personal Injury Protection (PIP) pays allowable expenses for an injured person’s care, recovery and rehabilitation — including reasonably necessary medical equipment — regardless of who caused the accident, up to the PIP coverage level on the policy.

PIP benefits usually come first from your own auto policy or a policy in your household. Once your physician prescribes equipment, we confirm which insurer is responsible, verify the available PIP coverage, obtain any required approval and schedule delivery. We then submit the claim to the auto insurer.

Since July 2020, Michigan drivers can choose different PIP medical coverage levels. We check the policy’s coverage before delivery, so you know where you stand.

What we need to get started

  1. Physician’s prescription or orderFrom the treating physician
  2. Auto insurer & claim numberOr the policy number if no claim is open yet
  3. Date of the accidentAnd the adjuster’s name and phone, if available
  4. Patient informationName, date of birth, phone and delivery address

Our Process

From the physician’s order to claim submission

  1. Step 1

    Order Intake

    We receive the physician’s prescription and the claim details — by fax at (844) 416-0360, by email, or through our online request form.

  2. Step 2

    Insurance Verification & Authorization

    We verify coverage with the workers’ comp carrier, TPA or auto insurer and obtain authorization for the prescribed equipment.

  3. Step 3

    Delivery & Setup

    Once authorized, we deliver the equipment to the patient, set it up and explain how to use it safely.

  4. Step 4

    Claim Submission & Billing

    We submit the claim to the insurance carrier with the authorization and documentation, and follow up until it is processed.

Equipment

Equipment commonly prescribed after a car accident

Neck and back injuries, fractures and post-surgical recovery are common after a crash. Equipment we regularly provide on auto claims includes:

Working With Your Team

For attorneys, case managers & adjusters

Auto claims often involve several people. We keep each of them informed.

  • Documentation on request

    Orders, delivery confirmations and itemized claims for the file.

  • Approval follow-up

    We work with the PIP adjuster until the request is decided.

  • Home delivery

    Equipment is delivered and set up at the patient’s home.

  • Claim submission

    We submit the claim to the auto insurer under the PIP claim number.

Insurance

Auto insurers & claims administrators we work with

  • Paradigm
  • The Hartford
  • Progressive Auto
  • Travelers
  • State Farm
  • Liberty Mutual (Workers’ Comp)
  • Sedgwick
  • Gallagher Bassett
  • AAA Auto
  • Berkshire Hathaway GUARD
  • Broadspire
  • Helmsman Management Services
  • Meemic
  • State Auto

Carrier names are trademarks of their respective owners and are listed only to identify the insurers we submit claims to; this does not imply endorsement. Coverage depends on the policy and claim approval. Don’t see your carrier? Contact us — we work with many other carriers and TPAs.

FAQ

Auto accident equipment questions

Does Michigan no-fault insurance cover medical equipment?

Michigan’s no-fault law provides Personal Injury Protection (PIP) benefits that can pay for reasonably necessary products and services for an injured person’s care, recovery and rehabilitation — including prescribed medical equipment — up to the PIP coverage level on the policy. We verify PIP coverage with the auto insurer before delivery and submit the claim to them.

Which auto insurer is responsible if I was a passenger or pedestrian?

In Michigan, PIP benefits usually come first from your own auto policy or a policy of a relative in your household, even if someone else caused the accident. If you are not sure which insurer applies, give us the details and we will confirm it with the claims adjuster.

Do I have to pay for my equipment?

For approved workers’ compensation and auto accident claims, we submit the claim directly to the insurance carrier or claims administrator, so patients typically pay nothing out of pocket. Coverage is decided by your carrier and the status of your claim. If anything is not covered, we tell you before delivery.

Who submits the claim to the insurance company?

We do. After delivery, we submit the claim to the workers’ comp carrier, TPA or auto insurer with the authorization, HCPCS codes, physician order and proof of delivery, and we follow up until the claim is processed. Patients do not need to file anything for the equipment.

What if my claim is pending or the equipment is not approved?

We stay in contact with the adjuster while a claim is pending and let you know as soon as a decision is made. If the equipment is not authorized, we explain your options before anything is delivered.

Hurt in a car accident and need medical equipment?

Send us the prescription and claim details. We verify coverage and obtain authorization, deliver the equipment, and submit the claim to the insurance carrier for you.

(800) 373-0065