COVID-19 Notice: We are providing FREE consultations by phone or video for your safety & convenience. Learn More »

Sample Letter To Pay PIP or No Fault Bills

Below is a sample letter to the PIP or no-fault insurance adjuster. This is the letter you send to collect you or your client's PIP money.

Someone writing a letterRemember that the PIP adjuster usually has a short leash by law to make payment. A primary purpose of PIP and no-fault laws are to get victims their insurance money quickly. Your state likely has a statute that requires the insurance company to pay interest if payment is not made with in a defined period. This holds true even if you were at fault for the car crash.

You will see that the PIP claim here exceeds $20,000 even though the PIP limit in this case was only $20,000. PIP adjusters like to reduce the bills and claim the health care provider charged too much. Submitting more in medical bills than they will pay eliminates this issue.

July 9, 2021

VIA FACSIMILE: 410-555-5998

Insurance Company
1 Insurance Company Lane
Insurance Companyville, IA 12345

Attn: Claims

Re Our Client: Mark Smith
Claim No.: 10568G8
Date of Accident: 1/01/2021

Dear Sir or Madam:

As you know, this office represents Mark Smith in connection with an accident which occurred on 1/01/2021. I am submitting the following bills for payment.

ProviderDate of ServiceAmount
Johns Hopkins1/01/2021$6,650.00
Johns Hopkins Physicians1/01/2021$11,123.45
Patient First1/03/2021$205.00
Lost Wages1/01/2021 - 2/01/2021$4,222.00

Please make each draft payable to my client.

Very truly yours,
Ronald V. Miller, Jr.

Is PIP Insurance Subrogable?

PIP is only subrogable in a minority of states. Most states, including Maryland, do not allow the PIP insurer to seek repayment after the victim collects from a third party.

How Much PIP Insurance Should I Get?

From the perspective of a personal injury lawyer, the more PIP insurance the better. Ultimately, having a good PIP or no-fault policy leads to the victim putting a great deal more money in their pocket.

Can I Stop My Passengers from Bringing a PIP Claim?

You cannot stop passengers in your vehicle from bringing a PIP claim, at least not in Maryland.

Do I Have to Get PIP Insurance?

A dozen or so states that require PIP insurance. Most states allow to consumers to waive PIP coverage. But the cost of PIP is relatively small compared to the benefits you will get if you get in an accident and need medical care.

Client Reviews
★★★★★
They quite literally worked as hard as if not harder than the doctors to save our lives. Terry Waldron
★★★★★
Ron helped me find a clear path that ended with my foot healing and a settlement that was much more than I hope for. Aaron Johnson
★★★★★
Hopefully I won't need it again but if I do, I have definitely found my lawyer for life and I would definitely recommend this office to anyone! Bridget Stevens
★★★★★
The last case I referred to them settled for $1.2 million. John Selinger
★★★★★
I am so grateful that I was lucky to pick Miller & Zois. Maggie Lauer
★★★★★
The entire team from the intake Samantha to the lawyer himself (Ron Miller) has been really approachable. Suzette Allen
★★★★★
The case settled and I got a lot more money than I expected. Ron even fought to reduce how much I owed in medical bills so I could get an even larger settlement. Nchedo Idahosa