Will my auto insurance rates go up if I use PIP?
This is a question to discuss with your auto insurance agent. Under Minnesota law, your insurance carrier cannot non-renew your policy for a no-fault claim alone, but rate impacts can vary. Your agent is the right person to ask about your specific policy.
What happens if I use up my PIP benefit before I am fully recovered?
If you reach the limit of your PIP benefit, several options exist depending on your situation. Your health insurance may pick up additional care. If you are working with an attorney on a third-party claim, additional medical bills may be recoverable. We will walk you through your options if and when that point is reached.
Do I need a referral to start care?
No. You do not need a referral for auto accident care at Wellspring. You can call, text, or book a free consultation directly.
What if my accident was a few months ago?
Lingering pain weeks or months after a collision is common, and it is treatable. PIP benefits are time-sensitive but most policies cover treatment that begins within a reasonable window after the accident. We can usually still help, and we will help you understand what your specific policy allows.
What if I do not have auto insurance?
If you do not have auto insurance, but you were a passenger in a covered vehicle, the vehicle’s policy may cover your PIP benefits. If you were a pedestrian or bicyclist hit by a covered vehicle, that driver’s PIP benefits may cover your care. There are several layers to this. We will help you figure […]
What if the accident was not in Minnesota?
Your Minnesota auto insurance policy generally provides PIP coverage even if the accident occurred in another state, as long as you live in Minnesota and your policy is current. We verify the specifics with your carrier when we set up the claim.
Does it matter who was at fault?
No. Minnesota is a no-fault state, which means your own auto insurance covers your medical care regardless of who caused the accident. You do not need to wait for fault determination before getting treatment.