How does a patient make a claim for no-fault health insurance benefits?
When a patient is involved in an automobile accident, he/she should contact his/her automobile insurance agent. The patient will need to fill out an application for benefits. Oftentimes there is a delay between notifying the agent and the patient actually receiving the application for benefits. The patient can certainly submit an application right away. In the Appendix are sample applications for benefits from some of the major automobile insurance carriers. There is also a generic form that can be used. The patient needs to be very careful filling out the application. Insurance carriers have been known to attempt to deny coverage when misrepresentations are made in the application. It may be prudent for your patient to contact a lawyer before filling out the application. In addition, the insurance carrier often requires medical authorizations to obtain the patient’s medical records. Carriers often suggest generic broadly written authorizations which allow the carrier to get any and al
