Chiropractic Care After a MetLife Auto & Home–Insured Car Accident in Somerville, MA

How Massachusetts PIP Works With MetLife Auto & Home and Other Auto Policies

Massachusetts auto policies include Personal Injury Protection (PIP), which is designed to help with reasonable and necessary medical bills and certain lost wages after a car crash — regardless of who was at fault. In many cases:

• PIP can help cover reasonable medical care after a crash, which may include chiropractic treatment, up to the policy limits.
• PIP usually pays first, before most private health insurance, for accident-related medical bills until the PIP limit is reached.
• After PIP, your health insurance and optional coverages may apply depending on your specific plan.

Every policy is different. We can review your paperwork, help you understand what your PIP benefits may cover, and coordinate with your attorney if needed.

Massachusetts PIP law provides you with $8,000 of coverage for medical expenses if you have been injured in an accident (even if you are at fault), however, if you don't see a doctor in a timely fashion after your accident you may lose your benefits. Our accident injury doctors will provide you with the best treatment for your injuries and we will help you file all the necessary paperwork to protect the benefits you are entitled to.

Did you know that most Auto Accident Insurance Insurance will cover 100% of the cost of care? Our Insurance Department will be glad to coordinate benefits with the responsible party’s insurance carrier or your attorney. This allows us to treat most injuries with No Out Of Pocket Expense.

Additionally, you do not need health insurance to get immediate treatment. Under Massachusetts law, drivers must carry personal injury protection (PIP) insurance which covers your medical treatment if you’ve been involved in an auto accident even if you were at fault.

All auto insurance in Massachusetts covers chiropractic care for injuries due to a car accident. Cordima Chiropractic Center is an insurance provider of chiropractic services.

• No Medical referral is necessary.
• No Pre-Approval is necessary.
• Medical treatment benefits are available, even if you’re at fault.
• Treatment is usually covered at 100%.
• Drivers & Passengers have coverage.
• Includes Uber, Lyft and all Taxicabs.
• (some exclusions may apply; ie. work injury, no permission to drive, OUI)

If you’ve been involved in a recent car accident chances are that you may have been injured. Pain after an accident can occur instantly or could even take weeks to reveal itself. Timely treatment following any injury is paramount to regaining your health and returning to your pre-injury status.

The lack of treatment, poor or improper treatment may mean that it will take longer to correct, be more difficult to treat, cost more money and ultimately cause you to suffer longer.

What to Do After a Car Accident

If you were just in a crash, think of your body like a car frame: even if it “looks okay,” hidden damage can show up days or weeks later. Here’s what to do:

1. Get evaluated ASAP. Early documentation is important for recovery and insurance.
2. Bring your insurance info. Card, claim number, adjuster details.
3. Tell us exactly how it happened. Impact direction, head position, seatbelt, etc.
4. Keep all paperwork. Police report, ER records, imaging, bills.
5. If you have an attorney, let us know. We coordinate with them when needed.

Car Accident Symptoms and Injuries We Commonly See

• Neck pain and stiffness after whiplash
• Headaches (especially at the skull base)
• Mid-back and rib pain
• Lower back pain and radiating leg symptoms
• Shoulder, hip, and knee pain
• Tingling, numbness, or burning sensations
• General soreness that doesn’t go away

Serving Somerville and Nearby Communities

• Davis Square, Union Square, Ball Square, Magoun Square, Winter Hill
• Spring Hill, East Somerville, Ten Hills, Prospect Hill
• Medford, Cambridge, and other Greater Boston areas

MetLife Auto & Home & Auto Insurance – Common Questions

Next Step: Schedule Your Post-Accident Evaluation

If you were in a car accident and you have MetLife Auto & Home or another Massachusetts auto insurance policy, our office can evaluate your injuries and review your accident-related documentation.