No-fault Medical Expenses
Q. DO I HAVE TO STAY WITH MY CURRENT CLINIC WHICH IS APPROVED BY MY PERSONAL HEALTH INSURANCE WHEN SEEKING TREATMENT FOR MY CRASH RELATED INJURIES?
A. No. Once you have called in your claim to your No-fault adjuster (from your own insurance company), you will be given a claim number which you may use for your treatment at any medical office or hospital. You will not be using your personal health insurance unless you have no automobile insurance coverage or your No-fault Benefits have been used up or cut off.
Q. WHAT KINDS OF EXPENSES ARE COVERED UNDER REASONABLE AND NECESSARY MEDICAL EXPENSES?
A. The following are reasonable and necessary medical expenses: Medical, surgical, x-ray, optical, dental, chiropractic and rehabilitative services, prosthetic devices, prescription drugs, necessary ambulance and all other reasonable transportation expenses incurred in traveling to receive covered medical benefits; and hospital, extended care and nursing services. Also include are physical rehabilitation treatment and occupational training. All of the above care and treatment must be for injuries resulting from the motor vehicle accident.[Minnesota Statutes 65B.44]
Q. CAN I GET COMPENSATED FOR THE MILEAGE AND PARKING EXPENSES I INCUR WHEN I GO TO THE DOCTOR?
A. Mileage to and from treatments and parking costs must be reimbursed as "reasonable transportation costs." These are actual costs to claimant and should be paid at 48.5 cents per mile (IRS rate for 2006), unless you can document higher costs that are reasonable. Remember, you are also entitled to reimbursement for the work hours you miss when you have to attend medical, physical therapy or other medically related appointments. The treatment must relate to your accident.
Q. IF I NEED RETRAINING AND REHABILITATION AS A RESULT OF MY INJURIES, WILL MY NO-FAULT BENEFITS COMPENSATE ME?
