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Chiropractor Goes after Pip Benefits; Loses in Summary Judgment


A chiropractor sued an auto insurance company for failing to provide PIP (personal injury protection) payments for treatments they gave to the injured insured.

The insurance company in question, Amica, claimed to have instructed the plaintiff in the underlying auto accident claim to submit to them any medical bills denied by their health insurance, after Amica had already covered the base $2,000.00 in benefits. The Plaintiff failed to do so, and as a result the chiropractor went unpaid.

The chiropractor sued the insurance company but ultimately lost in the summary judgment phase. The court found that Amica was relived of any obligation to cover expenses that were covered under the insured's health insurance plan.

Duffy v. Amica Mutual Insurance Company.