Information About Medical Claims

Who Are We?

The Med/PIP team provides claims services for Medical Payment and Personal Injury Protection benefits in Auto, Commercial and Homeowners policies. Our goal is to resolve your claim with accuracy, efficiency and excellent service.

What can I expect if I have a medical claim under my auto or homeowner's policy?

Once we determine your injury is covered by your policy, a medical claim specialist will call as soon as possible; you’ll never have to wait more than one business day except on weekends or holidays. During this conversation, your medical claim specialist will outline the process, verify needed information, explain available benefits, and discuss the importance of quickly completing and returning your Application for Benefits.

You may always submit correspondence and other materials using the Send Us Documents feature. 

Auto Policies

Medical coverage according to your Auto policy terms typically provides payment for medical treatment when you, covered family members, or passengers sustain injuries due to an accident in your insured vehicle. You or a family member may also be covered when riding as a passenger in someone else’s vehicle, or when struck by a vehicle as a pedestrian.

Benefits tend to include costs for ambulances, emergency room or hospital care, x-rays, physicians, surgery and funerals. Your medical claim specialist can explain these benefits in more detail.

Homeowners Policies

If you’ve purchased medical coverage as part of a Homeowners/Condo/Renters policy, it typically provides payment for a variety of expenses when visitors are injured while on your premises with your permission.

These include costs for ambulances, x-rays, hospital fees, surgery, dental procedures, prosthetic devices, professional nursing and funeral services. Under certain conditions, it may also cover people who aren’t at your insured location. This type of coverage doesn’t usually apply to you or regular residents of your household. Your medical claim specialist can explain coverage in more detail.

Personal Injury Protection (PIP)

Personal injury protection—common called PIP—typically provides payment when an insured person or another covered individual suffers bodily injuries in a covered accident. PIP usually covers a broader range of medical costs than standard medical payment coverage, and might even include
compensation for lost wages or the replacement of services provided by someone injured in a covered accident.

Availability varies by state, so ask your agent or medical claim specialist if PIP coverage is included in your policy.

Important Information on Personal Injury Protection (PIP) Claims for New Jersey Decision Point Review

Plan Documents (Date of loss prior to 10/26/2017):

Plan Documents (Date of loss on and after 10/26/2017):

Other Auto Claim Topics

* Coverage up to $150 per incident (see your agent in TX, VA and NC for program limits). If cost of service exceeds your program limit, you may submit reasonable and necessary towing and labor invoice for reimbursement. Not available with all Companies and in all areas. Sign and Drive coverage is extended to Farmers policyholders only. If you are a Bristol West policyholder, please see your agent or broker for coverage details.

Services are provided by and/or through Cross Country Motor Club, Inc., except Alaska, California, Hawaii, Oregon, Wisconsin and Wyoming where services are provided by and/or through Cross Country Motor Club of California, Inc. Thousand Oaks, CA 91360.