Award of Dispute Resolution Professional

Size: px
Start display at page:

Download "Award of Dispute Resolution Professional"

Transcription

1 In the Matter of the Arbitration between Bergen Ambulatory Surgery Center A/S/O R.Q. CLAIMANT(s), Forthright File No: NJ Insurance Claim File No: Claimant Counsel: Law Offices of Fano & Krug, P.C. v. Claimant Attorney File No: Respondent Counsel: Pomeroy, Heller & Ley, LLC Respondent Attorney File No: Accident Date: 08/25/2009 New Jersey Manufacturers Ins Group RESPONDENT(s). Award of Dispute Resolution Professional Dispute Resolution Professional: Joseph J. Riva, Esq. I, The Dispute Resolution Professional assigned to the above matter, pursuant to the authority granted under the Automobile Insurance Cost Reduction Act, N.J.S.A. 39:6A-5, et seq., the Administrative Code regulations, N.J.A.C. 11:3-5 et seq., and the Rules for the Arbitration of No-Fault Disputes in the State of New Jersey of Forthright, having considered the evidence submitted by the parties, hereby render the following Award: Hereinafter, the injured person(s) shall be referred to as: Patient An oral hearing was waived by the parties. An oral hearing was conducted on: 05/02/12 Hearing Information Claimant or claimant s counsel appeared in person. Respondent or respondent s counsel appeared in person. The following amendments and/or stipulations were made by the parties at the hearing: The amount in dispute is $29, NJ Page 1 of 12

2 Findings of Fact and Conclusions of Law This arbitration arises out of an automobile accident that occurred on 08/25/09. On that date, R.Q.s (patient) was an insured of New Jersey Manufacturers Ins Group (respondent) and eligible to receive personal injury protection (PIP) benefits when he suffered injuries because of the accident. Patient received medical care at Bergen Ambulatory Surgery Center (claimant). Claimant took an assignment of patient s claim for PIP benefits. After a dispute arose regarding those benefits, claimant commenced this proceeding, seeking reimbursement from respondent of $29, with interest for unpaid medical bills together with counsel fees and costs. The reimbursement claim is laid out in claimant s Arbitration Summary. The issues identified by the parties, confirmed by counsel at the arbitration hearing held on 05/02/12, and presented for my consideration are: (1) whether claimant unbundled CPT code from CPT code for the 01/25/10 and 02/15/10 dates of service; (2) whether claimant unbundled CPT code from CPT code for the 04/09/10 date of service; (3) whether the Multiple Procedure Reduction (MPR) formula applies to CPT codes and 22899; (4) whether the award of Dispute Resolution Professional Sergio G. Carro, Esq. in Northern NJ Ortho Specialists a/s/o R.Q. v. New Jersey Manufacturers Ins Group, NJ precludes the re-litigation of certain issues; (5) whether claimant lacks standing by failing to appeal the 04/09/10 date of service; and (6) counsel fees and costs. The parties did not present any other issues. They agreed that only the issues presented would be decided. Accordingly, I have not considered nor decided any other issues. The parties submitted a number of documents in support of their respective positions for my review, including: Claimant s Demand for Arbitration with attached Exhibits A and B, Claimant s 02/07/12 submission with attached Exhibits A through N, Claimant s 04/25/12 submission with attached Exhibits A through C, Claimant s 05/02/12 post-hearing submission with attached Exhibits I through VI, Claimant s 05/08/12 post-hearing submission with attached Exhibits A and B, Claimant s post-hearing PIP Arbitration Attorney Fee Certification, Respondent s 04/03/12 submission with attached Exhibits A through U, Respondent s 04/03/12 submission with attachment, and Respondent s 05/04/12 post-hearing submission with attachments. I have carefully reviewed all of the parties submissions and considered the arguments of counsel advanced at the hearing. Epidurography and Fluoroscopy Respondent appropriately reimbursed claimant $1, for the epidural injection on 01/25/10 and $1, for the epidural injection on 02/15/10. As to each of these dates of service, claimant is seeking reimbursement of $ for epidurography billed under CPT code TC. Claimant is NJ Page 2 of 12

3 also seeking reimbursement of $ for fluoroscopic guidance under CPT code TC as to the 04/19/10 date of service. It is respondent s position that pursuant to N.J.A.C. 11:3-29.4(o)4, these procedures are diagnostic services, which are included as part of the underlying facility fee for an ambulatory surgical center (ASC) and, therefore, not subject to separate reimbursement. I agree. The Department of Banking and Insurance (DOBI) has addressed this specific issue on its website as follows: Q. The Fee Schedule rule at N.J.A.C. 11:3-29.4(o)4 states that diagnostic and therapeutic items are included in the ASC facility fee. Does this mean that all diagnostic tests (CPT codes through 89999) are included in the facility fee? In particular, is CPT 77003, Flouroscopic guidance, included in the facility fee? A. The Department follows relevant provisions of the Medicare payment system. Since the adoption of the amendments to the Fee Schedule, Medicare has updated its ASC payment system. It publishes a list of ASC Covered Ancillary Services Integral to Covered Surgical Procedures. The entire list, which can be downloaded from CMS, includes 15 CPT codes that are on the Department s Physicians Fee Schedule. These codes (listed below) from Addendum BB have the indicator N1 Packaged service/item; no separate payment made Contrast x-ray, thorax spine Contrast x-ray, lower spine Epidurography X-ray c/t spine disk X-ray of lower spine disk Contrast x-ray of shoulder Contrast x-ray of hip X-ray exam, sacroiliac joint Contrast x-ray of ankle Fluoroscope examination d render w/o postprocess d rendering w/postprocess Echo guide for biopsy Needle localization by x-ray Fluoroguide for spine inject [See Auto Medical Fee Schedule Frequently Asked Questions.] Because CPT codes and are included on the list of ASC Covered Ancillary Services Integral to Covered Surgical Procedures, I deny reimbursement for these codes. NJ Page 3 of 12

4 MPR Formula CPT code The procedure performed at claimant s facility on 04/09/10 was billed by claimant as CPT code 62290, which the American Medical Association CPT Manual (the Manual) defines as an [i]njection procedure for discography, each level; lumbar. Simply put, this code refers to the injection procedure involved in the process of making a discogram, which is a radiograph of an intervertebral disc made after injection of a radiopaque injection. Regarding the injections patient received at L3-L4, L4-L5 and L5-S1 on 04/09/10, claimant argues that the MPR formula does not apply. In support of this argument, claimant relies on N.J.A.C. 11:3-29.4(f)(2), which provides: There are two types of procedures that are exempt from the multiple procedure reduction. Codes in CPT that have the note, Modifier -51 exempt shall be reimbursed at 100 percent of the eligible charge. In addition, some related procedures are commonly carried out in addition to the primary procedure. These procedure codes contain a specific descriptor that includes the words, each additional or list separately in addition to the primary procedure. These add-on codes cannot be reported as stand-alone codes but when reported with the primary procedure are not subject to the 50 percent multiple procedure reduction. By contrast, it is respondent s position that even though the MPR formula exempts procedures with the words each additional as to physicians, there is no such exemption for ASCs. In support of this argument, respondent relies on N.J.A.C. 11:3-29.4(q), which provides: When multiple procedures are performed in an ASC in the same operative session, the ASC facility fee for the procedure with the highest payment group number is reimbursed at 100 percent and reimbursement of any additional procedures furnished in the same session is 50 percent of the applicable facility fee. For example, if two Group 2 procedures and a Group 1 procedure are all performed in the same operative session, reimbursement of the ASC facility fee is 100 percent of the first Group 2 fee plus 50 percent of the second Group 2 fee, plus 50 percent of the Group 1 fee. Undoubtedly, N.J.A.C. 11:3-29.4(f)(2) applies to the physicians performing procedures while N.J.A.C. 11:3-29.4(q) refers to an ASC. Moreover, it bears particular note that DOBI chose not to repeat the exclusionary language of N.J.A.C. 11:3-29.4(f)(2) in the regulatory provision pertaining to ASCs. There are 2 questions and answers on DOBI s website that illuminate the issue: Q. Does the provision in N.J.A.C. 11:3-29.4(f) apply to facility fees billed by ASC s pursuant to N. J.A.C. 11:3-29.4(q)? A. The procedures concerning billing for bilateral and co-surgeries and exemptions from the multiple procedure reduction formula listed in N.J.A.C. 11:3-29.4(f) are intended to apply only to the physicians fee schedule. However, the Department has followed relevant provisions of the Medicare Claims Processing Manual in the Fee Schedule Rule. The Medicare Claims Processing Manual for ASC s states that, A procedure performed NJ Page 4 of 12

5 bilaterally in one operative session is reported as two procedures. Treat payment for a procedure performed bilaterally the same as payment for multiple procedures. Therefore, the Department believes that it is appropriate to apply this provision to bilateral surgeries performed in ASC s. Q. Does the fact that Medicare includes ASC s in the definition of physician in its rules for interpretation of the National Correct Coding Initiative (NCCI) mean that add-on codes as defined in N.J.A.C. 11:3-29.4(f) are not subject to the multiple procedure reduction formula in an ASC? A. No. As noted above in response to the previous question, the provisions of N.J.A.C. 11:3-29.4(f) only apply to billing by physicians. The rule for application of the multiple procedure reduction (MPR) formula to ASC facility fees is found in N.J.A.C. 11:3-29.4(q). There is absolutely no relation between the NCCI edits and the MPR formula. The NCCI edits prevent unbundling separate billing for parts of one procedure or treatment. If the NCCI edits permit a CPT code to be billed as part of a procedure, it is a separate and unrelated question whether the MPR formula applies. As noted in response to the question above, the exceptions to the MPR formula in N.J.A.C. 11:3-29.4(f) do not apply to ASC s. CMS publishes an annual list of procedures performed in ASC s and whether they are subject to the MPR formula. These lists are found as Appendix AA in the Final Changes ASC regulations (CMS-1504-FC for 2011, CMS-1414-FC for 2010, etc.) on the CMS website at: [See Auto Medical Fee Schedule Frequently Asked Questions.] Regarding the exclusions of N.J.A.C. 11:3-29.4(f)(2), it is clear that they do not apply to ASCs. Nevertheless, as the foregoing questions and answers bring to light, there are occasions when the exceptions to the MPR formula found in CMS annual list of procedures performed in ASCs apply to such centers. A review of CMS Final ASC Covered Surgical Procedures for CY 2010 (Including Surgical Procedures for Which Payment is Packaged) on the CMS website reveals that CPT code was exempted from application of the MPR formula for the 2010 calendar year. As such, pursuant to DOBI s directive, claimant is entitled to reimbursement for each of the 3 levels at the same amount. I note that respondent cited to my award in Pain & Surgery Ambulatory Center & Surgery Anesthesia Associates a/s/o Bhavana Suri-Mallick v. GEICO Ins. Co., FA (Nat l Arb. Forum Feb. 21, 2012) for the proposition that the MPR formula applies to ASCs. However, the issue of whether the MPR formula applies to CPT code was not before me. Instead, the question presented for my consideration was whether the MPR formula applied to manipulations under anesthesia to the shoulder billed as CPT code when performed with manipulation of the spine, any region, billed as CPT code That is not the situation here and, moreover, claimant never claimed that CPT code is considered an exception to the MPR formula by CMS. This brings me to the amount of reimbursement. Claimant is seeking reimbursement of $2, for each injection for a total of $8, based upon the ASC Facility Fee Schedule for an ASC Group NJ Page 5 of 12

6 Number 5 in the North. Indisputably, CPT code has not been assigned an ASC Facility Fee Group Number. For that reason, N.J.A.C. 11:3-29.4(o) applies. N.J.A.C. 11:3-29.4(o) provides, in pertinent part, as follows: ASC facility fee group numbers are indicated by CPT code on the physician s fee schedule, subchapter Appendix, Exhibit 1. The facility fees for each ASC group are listed in subchapter Appendix, Exhibit 7. If a procedure can be performed in an ASC but it is not listed in the physician s fee schedule, the ASC facility fee for the procedure shall be the fee group in Appendix, Exhibit 7 that includes procedures similar to the unlisted procedure. For example, if an injection code is not included in subchapter Appendix, Exhibit 7, the facility fee for the procedure would be the same as for other injection codes that have a group number. Applying this regulatory provision, respondent argues that CPT code is similar to other injection codes such as CPT codes 62310, 62311, 62318, and 62319, which are assigned ASC Group Number 1. In fact, as respondent correctly points out, the allowable fees for these similar injection codes are very close to what is allowed for CPT code For example, CPT code for a lumbar epidural injection is allowed $1, under the fee schedule. Similarly, CPT code for a lumbar discography injection is allowed $1, Because CPT code is similar to other injections, I agree with respondent that the ASC Group Number 1 fee of $1, applies. Accordingly, I award claimant reimbursement of $3, for the 3 injections on 04/09/10 billed as CPT code Medical Necessity of Platelet Rich Plasma (PRP) Injection It is also respondent s position that claimant has failed to establish the medical necessity of the 05/17/10 injection of platelet rich plasma (PRP) billed under CPT code This issue was specifically addressed by DRP Carro in Northern NJ Ortho Specialists a/s/o R.Q. v. N.J. Mfrs. Ins. Group, FA (Nat l Arb. Forum April 2, 2012) in which he found as relevant the following facts: With respect to the medical necessity issue involving the PRP injection, Respondent had initially denied the procedure which was billed under an unlisted procedure code as not sufficiently documented in the medical record. In response, Claimant sent a letter dated 8/9/10 indicating where exactly in the operative report the PRP procedure was identified. Claimant later submitted a letter dated 11/21/10 again identifying where in the operative report the PRP was described. Dr. Cohen specifically stated, at the end of the procedure, I also did inject platelet rich protein to help inject the platelet rich growth factor for the patient through code Respondent maintains its denial on the basis that nowhere in the operative report or in either of Dr. Cohen s letters does he document or explain the medical necessity of the PRP injection. After stating the applicable regulatory provisions and legal principles, DRP Carro came to the following conclusion: NJ Page 6 of 12

7 Applying these standards to the case at hand, it is hereby determined that Claimant has not established the medical necessity of the PRP injection. There is no dispute that the injection was administered. However, Dr. Cohen never explains why it was necessary or how it was expected to aid the patient. Accordingly, this claim is denied and the unbundling issue over the PRP injection is not reached. In light of DRP Carro s decision, it logically follows that claimant is not entitled to reimbursement for the PRP injection on 05/17/10. Accordingly, I need not address the appropriate Group Number rate for the injection. Obviously, I need not address the unbundling issue. CPT code For the 05/17/10 date of service, claimant billed CPT code together with CPT code the primary procedure. CPT code is defined in the Manual as transpedicular approach with decompression of spinal cord, equine and/or nerve root(s) (eg herniated intervertebral disc), single segment; lumbar (including transfacet, or lateral extraforaminal approach) (eg, far lateral herniated intervertebral disc). Respondent reimbursed claim $5, for CPT code based upon the Group Number 9 fee. The Manual defines CPT code as an [u]nlisted procedure, spine. Claimant billed for 2 levels even though the surgery was performed at only 1 level, as DRP Carro s award in Northern NJ Ortho Specialists confirms. That said, I agree with respondent that the MPR formula applies to CPT code as claimant has not shown that this code is listed as an exception to the MPR formula by CMS. In fact, claimant s counsel in the Northern NJ Ortho Specialists arbitration, as reflected in a 04/03/12 letter sent to him by respondent s counsel, agreed that a modification request relative to the applicability of the MPR formula to CPT code was unnecessary as the formula applied to the surgery charges of 05/17/10. Consequently, I conclude that claimant is entitled to reimbursement for CPT code in the amount of $2, for 1 level. I deny reimbursement for level 2 as unsupported by the Operative Report. In view of the conclusion reached by DRP Carro in Northern NJ Ortho Specialists that annuloplasty was correctly billed as CPT code 22899, respondent withdrew its argument relative to the improper billing of CPT code CPTs code and In addition to billing CPT code for the 05/17/10 date of service, claimant also billed CPT code 63057, which the Manual defines as each additional segment, thoracic or lumbar (List separately in addition to code for primary procedure). Based upon the proofs presented, I conclude that billing for CPT code is unsupported by the Operative Report. Internal Appeals Process (IAP) NJ Page 7 of 12

8 Regarding the discography procedure of 04/09/10, it is respondent s position that claimant lacks standing to proceed as it failed to submit an appeal prior to initiating arbitration as required under respondent s DOBI approved Decision Point Review Plan (DPRP). To begin with, an insurer s DPRP shall include [a]n internal appeals procedure that permits the provider to provide additional information and have a rapid review of a decision to modify or deny reimbursement for a treatment or the administration of a test.... N.J.A.C. 11:3-4.7(c)(6). Furthermore, a DPRP shall include [r]easonable restrictions on the assignment of benefits pursuant to N.J.A.C. 11:3-4.9(a).... N.J.A.C. 11:3-4.7(c)(7). In Coal. for Quality Health Care v. N.J. Dept. of Banking & Ins., 348 N.J. Super. 272, (App. Div. 2002), the court upheld the approval by the Department of Banking and Insurance (DOBI) of insurers policy provisions that imposed reasonable restrictions on assignment of PIP benefits to providers. As to what constitutes reasonableness, the court relied on N.J.A.C. 11:3-4.9, which specifically states that [i]nsurers may file for approval policy forms that include reasonable procedures for restrictions on the assignment of [PIP] benefits, consistent with the efficient administration of the coverage. This regulatory provision provides: Reasonable restrictions may include, but are not limited to: 1. A requirement that as a condition of assignment, the provider agrees to follow the requirements of the insurer s decision point review plan for making decision point review and precertification requests; 2. A requirement that as a condition of assignment, the provider shall hold the insured harmless for penalty co-payments imposed by the insurer based on the provider s failure to follow the requirements of the insurer s [DPRP]; and/or 3. A requirement as a condition of assignment, the provider agrees to submit disputes to alternate dispute resolution pursuant to N.J.A.C. 11:3-5. Additionally, N.J.A.C. 11:3-4.7(d)(8) requires that informational materials for policy holders, injured persons and providers shall include [a]n explanation of the alternatives available to the provider if reimbursement for a proposed treatment, diagnostic test or durable medical requirement is denied or modified, including the insurer s internal appeals process and how to use it.... DOBI has recently clarified the use of the IAP. In Bulletin No , the Commissioner reiterated that an insurer may require a provider to comply with its IAP prior to filing a Demand for Arbitration. Specifically, the Commissioner, among other things, stated: It is only reasonable and logical for insurers to require that, before using the expensive and lengthy external dispute process, an insured or a provider under assignment should first utilize the internal appeals process.... Thus, where a provider agrees in an Assignment of Benefits to follow the requirements of the Decision Point Review plan, the provider also agrees to comply with the insurer s internal appeals process contained therein, and with any penalties imposed in the plan for failure to comply with the internal appeals process. NJ Page 8 of 12

9 Here, patient assigned to claimant his right to receive PIP benefits. By doing so, respondent argues that claimant agreed to be subject to the DPRP requirements and in failing to comply with the internal appeals process in its DPRP prior to filing the Demand for Arbitration, the Assignment of Benefits (AOB) executed by patient was rendered null and void, thereby depriving claimant of standing relative to the 04/09/10 date of service. It is respondent s position that claimant failed to adequately submit an appeal prior to filing for arbitration. The proofs show that claimant was aware of respondent s DPRP requirements. Indeed, the Explanation of PIP Benefits (EOB) sent to claimant provides: IMPORTANT! PLEASE READ! Unless emergent relief is sought, the health care provider must utilize the reconsideration and appeals process prior to filing arbitration and litigation. Information on this process and other requirements are included in NJM s Decision Point Review Plan Requirements, which may be obtained at or by contacting a Claims Representative. The proofs also show that on 02/17/11 prior to the filing of arbitration on 03/28/11 claimant appealed the non-payment of the bill for the services provided on 04/09/10. The appeal, in relevant part, states: We have sent our bill to you for our patient/insured... for the date of service [04/09/10]. Unfortunately, we have not received any answer from you as of this date. The New Jersey Personal Injury Protection Statute requires that the insurer make payment for a covered loss within sixty (60) days of receipt of the bill. Please be advised that this letter serves you as a Formal Appeal. Therefore, if we do not receive a response from you regarding the status of this claim within this week we will put it through Arbitration. Please contact the Collection Department as soon as possible regarding the status of the bill. You may do so telephonically, by fax or by mail. In a 02/25/11 letter, claimant was notified by respondent as follows: Please be advised that your request for a Second Look is deficient. Request for reconsideration and appeals must be submitted 21 days prior to initiating arbitration unless emergent relief is sought, and must specify the issues in dispute and be accompanied by supporting documentation. A copy of respondent s DPRP was attached to the letter. It contains a provision, which requires a health care provider that has accepted an assignment of benefits from the insured/patient to file an internal appeal of any dispute prior to filing for arbitration. More specifically, the DPRP requirements, in relevant part, provide: NJ Page 9 of 12

10 Reconsideration and Appeals Process If treatment, diagnostic testing or durable medical equipment is not authorized, you may request reconsideration by the Physician making the initial determination or, in his/her absence, another designated Physician by submitting a written request with reasons and supporting documentation within 30 days of receipt of a written denial or modification. Submission of information identical to the initial material submitted in support of the request shall not be accepted as a request for reconsideration. Provided that additional necessary medical information has been submitted, a response to the reconsideration request shall be made within fourteen days. If it is determined that peer review or an Independent Medical Examination is appropriate, this information will be communicated within fourteen days as well. Please note that any treating provider who has accepted an assignment of benefits must complete the Reconsideration and Appeals Process prior to initiating arbitration or litigation. For disputes on issues other than requests for decision point review and precertification, any treating provider who has accepted an assignment of benefits must submit a written request for Reconsideration and Appeals specifying the issues in dispute accompanied by supporting documentation at least 21 days prior to initiating arbitration or litigation Furthermore, the DPRP contains additional language regarding appeals as follows: Assignment of Benefits If you wish to be paid directly by us for covered services, you must obtain an executed assignment of benefits. This assignment agreement must be furnished to us upon request. As a condition of assignment, you must follow the requirements of this Decision Point Review Plan and shall hold the insured harmless for penalty copayments imposed by us based on your failure to follow the requirements of the Decision Point Review Plan. Failure to comply with (1) our Decision Point Review Plan Requirements or (2) the requirement to follow the Reconsideration and Appeals Process prior to initiating arbitration or litigation will render any prior assignment of benefits under the policy null and void. In light of the proofs, I find unavailing respondent s argument that patient s AOB is void as to the 04/09/10 date of service. This is a billing dispute. Indisputably, the appeal was filed at least 21 days prior to initiating arbitration. Additionally, even though the DPRP requires that the issues be specified and accompanied by supporting documentation, claimant did not have to specify the issues for respondent s benefit, as they are reflected in the Explanation Codes in respondent s EOB. And, as to supporting documentation, respondent has not explained what supporting documentation it expected to receive from claimant a secondary provider that may have changed its position denying payment. What s more, no evidence has been presented that claimant possessed new or additional documentation to support reimbursement of its bill, which it withheld from respondent. NJ Page 10 of 12

11 Lastly, in support of its position that the appeal was proper, claimant submitted numerous arbitration awards, which I have reviewed. Overall, I find them persuasive. Counsel Fees and Costs Claimant s counsel seeks counsel fees in the amount of $2, together with costs of $ Respondent s counsel objects to such an award with particular opposition to both the total number of hours billed (8.0) and the hourly billing rate ($325.00). It is respondent counsel s position that the counsel fee requested is excessive and not consonant with the amount at issue. In N.J. Coal. of Quality Health Care Prof ls, Inc. v. N.J. Dept. of Banking & Ins. 323 N.J. Super. 207 (App. Div. 1999), the court noted that an award of counsel fees to an insured who successfully obtains an arbitration award against an insurance carrier for payment of PIP benefits... has been the statutory and historical jurisprudence of our State. The courts have construed Rule 4:42-9(a)(6), which allows for an award of counsel fees in an action upon a liability or indemnity policy of insurance in favor of a successful claimant, to permit an award of attorney s fees and judicial actions brought under the PIP statute. I find the claimant was successful and is entitled to an award of counsel fees. In Enright v. Lubow, 215 N.J. Super. 306 (App. Div. 1987) the court identified the factors to be considered in deciding whether to award attorney s fees, including the insurer s good faith in refusing to pay the claim, the excessiveness of plaintiff s demands, the bona fides of the parties, the insurer s justification in litigating the issues, the insurer s conduct as it contributes substantially to the need for litigation, the general conduct of the parties, and the totality of the circumstances. As the court pointed out in Scullion v. State Farm Ins. Co., 345 N.J. Super. 431 (App. Div. 2001), while the Enright factors are to be considered in making the threshold determination as to whether to award counsel fees, many of those factors are equally applicable in determining the amount of counsel fees to be awarded. The court in Scullion clearly suggests that the proper determination of the amount of counsel fees to be awarded requires a line by line analysis of the various certifications of services to determine whether hours expended by counsel or excessive for what appeared to be routine efforts. I have carefully reviewed the line item entries in the PIP Arbitration Attorney Fee Certification submitted by claimant s counsel. In doing so, I have applied the principle set forth in Litton Indus., Inc. v. IMO Indus., Inc., 200 N.J. 372 (2009) for determining the lodestar for legal fees as well as for determining whether it should be enhanced or reduced. I have also carefully considered the arguments advanced by counsel. I am mindful of the fact that any amount awarded as counsel fees must be consonant with the amount at issue and that claimant was only partially successful in this action. I find that an award of counsel fees in the amount of $1,500 is consonant with the amount at issue and consistent with the requisites of R.P.C. 1.5 as well as with the degree of effort, expertise and experience required for a successful prosecution of this claim. I also award costs in an amount of $ NJ Page 11 of 12

12 Therefore, the DRP ORDERS: 1. Medical Expense Benefits: Awarded: Disposition of Claims Submitted Medical Provider Amount Claimed Amount Awarded Payable To Bergen Ambulatory Surgery Center $29, $6, Bergen Ambulatory Surgery Center 2. Income Continuation Benefits: Not in issue 3. Essential Services Benefits: Not in issue 4. Death or Funeral Expense Benefits: Not in issue 5. Interest: I find that the Claimant did prevail. Interest is awatrded pursuant to N.J.S.A. 39:6A-5h.: Interest shall be calculated by respondent Attorney s Fees and Costs I find that the Claimant did not prevail and I award no costs and fees. I find that the Claimant prevailed and I award the following costs and fees (payable to Claimant s attorney unless otherwise indicated) pursuant to N.J.S.A. 39:6A-5.2g: Costs: $ Attorney s Fees: $ 1,500 THIS AWARD is rendered in full satisfaction of all claims and issues presented in the arbitration proceeding. Entered in the State of New Jersey Date: 06/26/12 NJ Page 12 of 12

Award of Dispute Resolution Professional

Award of Dispute Resolution Professional In the Matter of the Arbitration between MIDDLESEX SURGERY CENTER A/S/O S.W. CLAIMANT(s), Forthright File No: NJ1104001385586 Insurance Claim File No: NJS0011864P6 Claimant Counsel: Law Offices of Camilla

More information

Award of Dispute Resolution Professional. Claimant or claimant's counsel appeared by telephone. Respondent or respondent's counsel appeared in person.

Award of Dispute Resolution Professional. Claimant or claimant's counsel appeared by telephone. Respondent or respondent's counsel appeared in person. In the Matter of the Arbitration between Ira Klemons, D.D.S., P.C. a/s/o D.M. CLAIMANT(s), Forthright File No: NJ1302001487739 Proceeding Type: In Person Insurance Claim File No: 30057W526 Claimant Counsel:

More information

Award of Dispute Resolution Professional. In Person Proceeding Information

Award of Dispute Resolution Professional. In Person Proceeding Information In the Matter of the Arbitration between Fort Lee Rehab, LLC a/s/o J.C. CLAIMANT(s), Forthright File No: NJ1406001562849 Proceeding Type: In Person Insurance Claim File No: 0380279970101044 Claimant Counsel:

More information

Award of Dispute Resolution Professional. In Person Proceeding Information

Award of Dispute Resolution Professional. In Person Proceeding Information In the Matter of the Arbitration between Neurological Surgery Associates, PA A/S/O R.L. CLAIMANT(s), Forthright File No: NJ1307001510032 Proceeding Type: In Person Insurance Claim File No: 717PPHGV3362002

More information

Award of Dispute Resolution Professional. Hearing Information

Award of Dispute Resolution Professional. Hearing Information In the Matter of the Arbitration between Specialty Medical Services/ C. N. CLAIMANT(s), Forthright File No: NJ1103001380340 Insurance Claim File No: 0173232703 Claimant Counsel: The Law Offices of Hillary

More information

Award of Dispute Resolution Professional. Hearing Information

Award of Dispute Resolution Professional. Hearing Information In the Matter of the Arbitration between I.D. individually and Spine & Trauma Institute as assignee CLAIMANT(s), Forthright File No: NJ0909001285035 Insurance Claim File No: 50202 Claimant Counsel: Fredson

More information

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS CASE NO. 18 Z 600 06908 2 2 A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS In the Matter of the Arbitration between (Claimant) AAA CASE NO.: 18 Z 600 06908 02 v. INS.

More information

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL CASE NO. 18 Z 600 07639 2 2 A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS In the Matter of the Arbitration between (Claimant) AAA CASE NO.: 18 Z 600 07639 02 v. INS.

More information

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL CASE NO. 18 Z 600 15403 03 2 A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS In the Matter of the Arbitration between (Claimant) AAA CASE NO.: 18 Z 600 15403 03 v.

More information

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL CASE NO. 18 Z 600 03239 1 2 A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS In the Matter of the Arbitration between (Claimant) AAA CASE NO.: 18 Z 600 03239 1 v. INS.

More information

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL CASE NO. 18 Z 600 04754 03 2 A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS In the Matter of the Arbitration between (Claimant) AAA CASE NO.: 18 Z 600 04754 03 v.

More information

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL CASE NO. 18 Z 600 16413 1 2 A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS In the Matter of the Arbitration between (Claimant) AAA CASE NO.: 18 Z 600 16413 1 v. INS.

More information

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL CASE NO. 18 Z 600 20083 01 2 A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS In the Matter of the Arbitration between (Claimant) AAA CASE NO.: 18 Z 600 20083 01 v.

More information

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL CASE NO. 18 Z 600 17093 02 2 A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS In the Matter of the Arbitration between (Claimant) AAA CASE NO.: 18 Z 600 17093 02 v.

More information

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL CASE NO. 18 Z 600 15677 03 2 A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS In the Matter of the Arbitration between (Claimant) AAA CASE NO.: 18 Z 600 15677 03 v.

More information

CASE NO. 18 Z A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS In the Matter of the Arbitration bet

CASE NO. 18 Z A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS In the Matter of the Arbitration bet CASE NO. 18 Z 600 10922 03 2 A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS In the Matter of the Arbitration between (Claimant) AAA CASE NO.: 18 Z 600 10922 03 v.

More information

Award of Dispute Resolution Professional. Hearing Information

Award of Dispute Resolution Professional. Hearing Information In the Matter of the Arbitration between Accurate Monitoring, LLC a/s/o M.S. CLAIMANT(s), Forthright File No: NJ1005001325593 Insurance Claim File No: 02643178585000 Claimant Counsel: Law Offices of Sean

More information

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL CASE NO. 18 Z 600 08224 02 2 A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS In the Matter of the Arbitration between (Claimant) AAA CASE NO.: 18 Z 600 08224 02 v.

More information

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL CASE NO. 18 Z 600 11744 03 2 A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS In the Matter of the Arbitration between (Claimant) AAA CASE NO.: 18 Z 600 11744 03 v.

More information

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL CASE NO. 18 Z 600 06836 02 2 A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS In the Matter of the Arbitration between (Claimant) AAA CASE NO.: 18 Z 600 06836 02 v.

More information

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL CASE NO. 18 Z 600 15061 02 2 A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS In the Matter of the Arbitration between (Claimant) AAA CASE NO.: 18 Z 600 15061 02 v.

More information

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL CASE NO. 18 Z 600 16424 01 2 A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS In the Matter of the Arbitration between (Claimant) AAA CASE NO.: 18 Z 600 16424 01 v.

More information

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL CASE NO. 18 Z 600 12215 02 2 A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS In the Matter of the Arbitration between (Claimant) AAA CASE NO.: 18 Z 600 12215 02 v.

More information

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL CASE NO. 18 Z 600 17532 03 2 A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS In the Matter of the Arbitration between (Claimant) AAA CASE NO.: 18 Z 600 17532 03 v.

More information

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL CASE NO. 18 Z 600 01755 03 2 A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS In the Matter of the Arbitration between (Claimant) AAA CASE NO.: 18 Z 600 01755 03 v.

More information

Personal Services Insurance Company PO Box 1890 Blue Bell, PA Ph: Fax: Date (##/##/####)

Personal Services Insurance Company PO Box 1890 Blue Bell, PA Ph: Fax: Date (##/##/####) Personal Services Insurance Company PO Box 1890 Blue Bell, PA 19422-0479 Ph: 1-800-727-6664 Fax: 1-610-832-1147 Date (##/##/####) Physician Name Street Address City, State, Zip Claimant: Claim Number:

More information

Award of Dispute Resolution Professional

Award of Dispute Resolution Professional In the Matter of the Arbitration between Dr. Steven Nehmer a/s/o M.C. CLAIMANT(s), Forum File No: NJ0903001254498 Insurance Claim File No: 080420 v. Claimant Attorney File No: NEH-NJC-S-023 Respondent

More information

CURE DECISION POINT REVIEW PLAN (DPRP) DISCLOSURE NOTICE

CURE DECISION POINT REVIEW PLAN (DPRP) DISCLOSURE NOTICE Page 1 of 4 CURE DECISION POINT REVIEW PLAN (DPRP) DISCLOSURE NOTICE How To Comply with the DPRP Requirements Of Your CURE Policy The 'Automobile Insurance Cost Reduction Act' was signed into law on May

More information

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL CASE NO. 18 Z 600 16905 00 2 A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS In the Matter of the Arbitration between (Claimant) AAA CASE NO.: 18 Z 600 16905 00 v.

More information

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL CASE NO.18 Z 600 02899 02 2 A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS In the Matter of the Arbitration between (Claimant) AAA CASE NO.: 18 Z 600 2899 02 v. INS.

More information

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL CASE NO. 18 Z 600 021440 03 2 A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS In the Matter of the Arbitration between (Claimant) AAA CASE NO.: 18 Z 600 021440 03 v.

More information

S t a t e F a r m I n d e m n i t y C o m p a n y S t a t e F a r m G u a r a n t y I n s u r a n c e C o m p a n y

S t a t e F a r m I n d e m n i t y C o m p a n y S t a t e F a r m G u a r a n t y I n s u r a n c e C o m p a n y Dear Provider: S t a t e F a r m I n d e m n i t y C o m p a n y S t a t e F a r m G u a r a n t y I n s u r a n c e C o m p a n y Medical services related to automobile accidents and covered by State

More information

User Inserts Provider Name User Inserts Provider Address User Inserts Provider Address

User Inserts Provider Name User Inserts Provider Address User Inserts Provider Address User Inserts Provider Name User Inserts Provider Address User Inserts Provider Address RE: CSAA General Insurance Company Claim Number: Insured Policy Number: Date of Loss: Dear Provider: Injured Person:

More information

Award of Dispute Resolution Professional. Dispute Resolution Professional: Lisa D. Mundy Esq.

Award of Dispute Resolution Professional. Dispute Resolution Professional: Lisa D. Mundy Esq. In the Matter of the Arbitration between Neurological Surgery Associates, PA A/S/O N.B. CLAIMANT(s), Forthright File No: NJ1303001488299 Proceeding Type: In Person Insurance Claim File No: 0900003166 Claimant

More information

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL CASE NO. 18 Z 600 14812 03 2 A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS In the Matter of the Arbitration between (Claimant) AAA CASE NO.: 18 Z 600 14812 03 v.

More information

IMPORTANT INFORMATION ABOUT YOUR PERSONAL INJURY PROTECTION COVERAGE (ALSO KNOWN AS NO-FAULT MEDICAL COVERAGE)

IMPORTANT INFORMATION ABOUT YOUR PERSONAL INJURY PROTECTION COVERAGE (ALSO KNOWN AS NO-FAULT MEDICAL COVERAGE) IMPORTANT INFORMATION ABOUT YOUR PERSONAL INJURY PROTECTION COVERAGE (ALSO KNOWN AS NO-FAULT MEDICAL COVERAGE) The New Jersey Automobile Insurance Cost Reduction Act (AICRA) introduced changes to how auto

More information

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL CASE NO. 18 Z 600 14991 03 2 A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS In the Matter of the Arbitration between (Claimant) AAA CASE NO.: 18 Z 600 14991 03 v.

More information

State Farm Indemnity Company State Farm Guaranty Insurance Company Personal Injury Protection Benefits New Jersey Decision Point Review Plan

State Farm Indemnity Company State Farm Guaranty Insurance Company Personal Injury Protection Benefits New Jersey Decision Point Review Plan State Farm Indemnity Company State Farm Guaranty Insurance Company Personal Injury Protection Benefits New Jersey Decision Point Review Plan Pursuant to N.J.A.C. 11:3-4.7, State Farm submits the following

More information

ARBITRATION AWARD. Steven Super, Esq. from Super & Licatesi P.C. participated in person for the Applicant

ARBITRATION AWARD. Steven Super, Esq. from Super & Licatesi P.C. participated in person for the Applicant American Arbitration Association New York No-Fault Arbitration Tribunal In the Matter of the Arbitration between: Lefcort MUA Chiropractic, PC (Applicant) - and - Allstate Property and Casualty Insurance

More information

This matter arose out of a motor vehicle accident that occurred on April 7, 2002 and is, therefore, subject to AICRA.

This matter arose out of a motor vehicle accident that occurred on April 7, 2002 and is, therefore, subject to AICRA. CASE NO. 18 Z 600 17283 02 2 A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS In the Matter of the Arbitration between (Claimant) AAA CASE NO.: 18 Z 600 17283 02 v.

More information

INTRODUCTION BROCHURE

INTRODUCTION BROCHURE INTRODUCTION BROCHURE At Personal Service Insurance Company (PSI), we understand that when you purchase an automobile insurance policy, you are buying protection and peace of mind in the event you are

More information

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL CASE NO. 18 Z 600 18924 03 2 A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS In the Matter of the Arbitration between (Claimant) Amica Ins. (Respondent) AAA CASE NO.:

More information

ARBITRATION AWARD. Jonathan Seplowe, Esq. from Law Offices of Jonathan B. Seplowe, P.C. participated in person for the Applicant

ARBITRATION AWARD. Jonathan Seplowe, Esq. from Law Offices of Jonathan B. Seplowe, P.C. participated in person for the Applicant American Arbitration Association New York No-Fault Arbitration Tribunal In the Matter of the Arbitration between: Advanced Orthopaedics (Applicant) - and - State Farm Mutual Automobile Insurance Company

More information

ARBITRATION AWARD. Helen Mann Ruzhy, Esq. from Israel, Israel & Purdy, LLP participated in person for the Applicant

ARBITRATION AWARD. Helen Mann Ruzhy, Esq. from Israel, Israel & Purdy, LLP participated in person for the Applicant American Arbitration Association New York No-Fault Arbitration Tribunal In the Matter of the Arbitration between: Huntington Regional Chiropractic PC (Applicant) - and - State Farm Mutual Automobile Insurance

More information

CARE PATHS/DECISION POINT REVIEW

CARE PATHS/DECISION POINT REVIEW Selective Auto Insurance Company of New Jersey 40 Wantage Ave Branchville, NJ 07890 Claimant: Claim Number: Medlogix ID #: Date of Accident: Insured: Dear Provider: This letter is to advise you that Medlogix

More information

CASE NO. 18 Z

CASE NO. 18 Z CASE NO. CASE NO. 18 Z 600 13281 03 3 Patient began seeing Claimant for a neurological evaluation on March 18, 2002. It was Dr. Sabato s impression at that time that the patient suffered from traumatic

More information

CURE SDPRP AND PRECERTIFICATION REQUIREMENTSDISCLOSURE NOTICE

CURE SDPRP AND PRECERTIFICATION REQUIREMENTSDISCLOSURE NOTICE CURE SDPRP AND PRECERTIFICATION REQUIREMENTSDISCLOSURE NOTICE How To Comply with the DPRP and Precertification Requirements Of Your CURE Policy The 'Automobile Insurance Cost Reduction Act' was signed

More information

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL CASE NO. 18 Z 600 12025 03 2 A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS In the Matter of the Arbitration between (Claimant) AAA CASE NO.: 18 Z 600 12025 03 v.

More information

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL CASE NO. 18 Z 600 03429 03 2 A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS In the Matter of the Arbitration between (Claimant) AAA CASE NO.: 18 Z 600 03429 03 v.

More information

INTRODUCTION BROCHURE

INTRODUCTION BROCHURE INTRODUCTION BROCHURE At Foremost Insurance Company Grand Rapids, Michigan and/or Bristol West Insurance Group, we understand that when you purchase an automobile insurance policy, you are buying protection

More information

Date: 8/23/2017. Physician Name Street Address City, State, Zip. Claimant: Claim Number: Medlogix ID #: Date of Accident: Insured: Dear Provider:

Date: 8/23/2017. Physician Name Street Address City, State, Zip. Claimant: Claim Number: Medlogix ID #: Date of Accident: Insured: Dear Provider: Date: 8/23/2017 Physician Name Street Address City, State, Zip Claimant: Claim Number: Medlogix ID #: Date of Accident: Insured: Dear Provider: This letter is to advise you that Consolidated Services Group,

More information

Authorized By: Richard J. Badolato, Commissioner, Department of Banking and Insurance.

Authorized By: Richard J. Badolato, Commissioner, Department of Banking and Insurance. INSURANCE 49 NJR 8(2) August 21, 2017 Filed July 31, 2017 DEPARTMENT OF BANKING AND INSURANCE OFFICE OF CONSUMER PROTECTION SERVICES Pharmacy Benefits Managers Proposed New Rules: N.J.A.C. 11:4-62 Authorized

More information

Date. Date Loss Reported to GEICO: Company Name: Claim Number: Loss Date: Policyholder: Policy Number: Driver: Prizm, LLC Acct No: Injured Party:

Date. Date Loss Reported to GEICO: Company Name: Claim Number: Loss Date: Policyholder: Policy Number: Driver: Prizm, LLC Acct No: Injured Party: Date Date Loss Reported to GEICO: Company Name: Claim Number: Loss Date: Policyholder: Policy Number: Driver: Prizm, LLC Acct No: Injured Party: To Whom It May Concern, Personal Injury Protection (PIP)

More information

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL CASE NO. 18 Z 600 18435 02 2 A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS In the Matter of the Arbitration between (Claimant) v. ALLSTATE INSURANCE COMPANY (Respondent)

More information

ARBITRATION AWARD. Steven Palumbo, Esq. from Law Offices Of Gabriel & Shapiro, LLC. participated in person for the Applicant

ARBITRATION AWARD. Steven Palumbo, Esq. from Law Offices Of Gabriel & Shapiro, LLC. participated in person for the Applicant American Arbitration Association New York No-Fault Arbitration Tribunal In the Matter of the Arbitration between: OZ Acupuncture, P.C. (Applicant) - and - State Farm Fire and Casualty Company (Respondent)

More information

OPPS Rules for ASCs. Learning Objectives

OPPS Rules for ASCs. Learning Objectives OPPS Rules for ASCs Coding or Reimbursement Rules? 1 Learning Objectives The significance of OPPS as reimbursement policy and how this differs from coding policy Medicare Benefit Policy Manual Guidance

More information

Award of Dispute Resolution Professional. In Person Proceeding Information

Award of Dispute Resolution Professional. In Person Proceeding Information In the Matter of the Arbitration between CENTRAL JERSEY CHIROPRACTIC AND REHABILITATION CENTER A/S/O J.S. CLAIMANT(s), Forthright File No: NJ1309001518841 Proceeding Type: In Person Insurance Claim File

More information

ARBITRATION AWARD. Marc Schwartz, Esq. from Marc L. Schwartz P.C. participated in person for the Applicant

ARBITRATION AWARD. Marc Schwartz, Esq. from Marc L. Schwartz P.C. participated in person for the Applicant American Arbitration Association New York No-Fault Arbitration Tribunal In the Matter of the Arbitration between: Ortho Pros DME, LLC (Applicant) - and - State Farm Mutual Automobile Insurance Company

More information

CARE PATHS/DECISION POINT REVIEW

CARE PATHS/DECISION POINT REVIEW Cumberland Insurance Company, Inc. Decision Point Review Plan Requirements Important Information about No-Fault Medical Coverage Also Known as Personal Injury Protection or PIP The Automobile Insurance

More information

FREQUENTLY ASKED DECISION POINT REVIEW/PRE-CERTIFICATION QUESTIONS

FREQUENTLY ASKED DECISION POINT REVIEW/PRE-CERTIFICATION QUESTIONS FREQUENTLY ASKED DECISION POINT REVIEW/PRE-CERTIFICATION QUESTIONS INTRODUCTION At , we understand that when you purchase an automobile insurance policy, you are buying protection

More information

CASE NO. 18 Z pain and ringing in left hear and problems with right ear, left carpal tunnel syndrome and left shoulder injury. During t

CASE NO. 18 Z pain and ringing in left hear and problems with right ear, left carpal tunnel syndrome and left shoulder injury. During t CASE NO. 18 Z 600 10365 03 2 A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS In the Matter of the Arbitration between (Claimant) AAA CASE NO.: 18 Z 600 10365 03 v.

More information

ARBITRATION AWARD. Diana Usten. Esq from Baker Sanders, LLC participated in person for the Applicant

ARBITRATION AWARD. Diana Usten. Esq from Baker Sanders, LLC participated in person for the Applicant American Arbitration Association New York No-Fault Arbitration Tribunal In the Matter of the Arbitration between: ARS Medical PC (Applicant) - and - Liberty Mutual Insurance Company (Respondent) AAA Case

More information

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS AWARD OF DISPUTE RESOLUTION PROFESSIONAL CASE NO. 18 Z 600 04943 01 2 A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS In the Matter of the Arbitration between (Claimant) AAA CASE NO.: 18 Z 600 04943 01 v.

More information

FREQUENTLY ASKED DECISION POINT REVIEW/PRE-CERTIFICATION QUESTIONS

FREQUENTLY ASKED DECISION POINT REVIEW/PRE-CERTIFICATION QUESTIONS FREQUENTLY ASKED DECISION POINT REVIEW/PRE-CERTIFICATION QUESTIONS INTRODUCTION At , we understand that when you purchase an automobile insurance policy, you are buying protection

More information

Market Conduct Examination

Market Conduct Examination Market Conduct Examination Allstate New Jersey Insurance Company Bridgewater, New Jersey STATE OF NEW JERSEY DEPARTMENT OF BANKING AND INSURANCE Office of Consumer Protection Services Market Conduct Examination

More information

ARBITRATION AWARD. Hearing(s) held on 08/23/2017, 09/28/2017 Declared closed by the arbitrator on 09/28/2017

ARBITRATION AWARD. Hearing(s) held on 08/23/2017, 09/28/2017 Declared closed by the arbitrator on 09/28/2017 American Arbitration Association New York No-Fault Arbitration Tribunal In the Matter of the Arbitration between: Metropolitan Surgical Services, LLC (Applicant) - and - State Farm Mutual Automobile Insurance

More information

ARBITRATION AWARD. Michael Spector, Esq. from The Odierno Law Firm P.C. participated in person for the Applicant

ARBITRATION AWARD. Michael Spector, Esq. from The Odierno Law Firm P.C. participated in person for the Applicant American Arbitration Association New York No-Fault Arbitration Tribunal In the Matter of the Arbitration between: North American Partners IN Anesthesia LLP (Applicant) - and - Geico Insurance Company (Respondent)

More information

CURE S DPRP AND PRE-CERTIFICATION REQUIREMENTS DISCLOSURE NOTICE

CURE S DPRP AND PRE-CERTIFICATION REQUIREMENTS DISCLOSURE NOTICE CURE S DPRP AND PRE-CERTIFICATION REQUIREMENTS DISCLOSURE NOTICE How To Comply with the DPRP and Pre-Certification Requirements Of Your CURE Policy The 'Automobile Insurance Cost Reduction Act' was signed

More information

ARBITRATION AWARD. Patricia Doherty from Law Offices of Gabriel & Shapiro, LLC. participated in person for the Applicant

ARBITRATION AWARD. Patricia Doherty from Law Offices of Gabriel & Shapiro, LLC. participated in person for the Applicant American Arbitration Association New York No-Fault Arbitration Tribunal In the Matter of the Arbitration between: New Future Acupuncture PC (Applicant) - and - State Farm Fire and Casualty Company (Respondent)

More information

ARBITRATION AWARD. Marc L. Schwartz, Esq. from Marc L. Schwartz P.C. participated in person for the Applicant

ARBITRATION AWARD. Marc L. Schwartz, Esq. from Marc L. Schwartz P.C. participated in person for the Applicant American Arbitration Association New York No-Fault Arbitration Tribunal In the Matter of the Arbitration between: Lakeview Chiropractic PC (Applicant) - and - Geico Insurance Company (Respondent) AAA Case

More information

BWC ASC Fee Schedule 2009 Update. Anne Casto, RHIA, CCS Casto Consulting, LLC

BWC ASC Fee Schedule 2009 Update. Anne Casto, RHIA, CCS Casto Consulting, LLC BWC ASC Fee Schedule 2009 Update Anne Casto, RHIA, CCS Casto Consulting, LLC Objectives Verbalize BWC ASC Fee Schedule changes for 2009 Understand BWC conversion to modified ASC PPS Identify modified scope

More information

STATE OF MICHIGAN COURT OF APPEALS

STATE OF MICHIGAN COURT OF APPEALS STATE OF MICHIGAN COURT OF APPEALS ST. JOHN MACOMB OAKLAND HOSPITAL, Plaintiff-Appellant, FOR PUBLICATION December 8, 2016 9:00 a.m. v No. 329056 Macomb Circuit Court STATE FARM MUTUAL AUTOMOBILE LC No.

More information

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS

A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS CASE NO. 18 Z 600 00001 03 2 A M E R I C A N A R B I T R A T I O N A S S O C I A T I O N NO-FAULT/ACCIDENT CLAIMS In the Matter of the Arbitration between (Claimant) AAA CASE NO.: 18 Z 600 00001 03 v.

More information

<<Contact_FirstName>><<Contact_LastName>> <<Unit_InjuredPartyFirstName>><<Unit_InjuredPartyLastName>>

<<Contact_FirstName>><<Contact_LastName>> <<Unit_InjuredPartyFirstName>><<Unit_InjuredPartyLastName>> DECISION POINT REVIEW/PRE-CERTIFICATION PLAN PROVIDER LETTER Date (##/##/####) Insured: Claim Number: Medlogix ID #: Date of Accident: Injured Party:

More information

ARBITRATION AWARD. Malgorzatta Rafalko, Esq. from Baker Sanders, LLC participated in person for the Applicant

ARBITRATION AWARD. Malgorzatta Rafalko, Esq. from Baker Sanders, LLC participated in person for the Applicant American Arbitration Association New York No-Fault Arbitration Tribunal In the Matter of the Arbitration between: Co-op City Chiropractic P. C. (Applicant) - and - Allstate Property and Casualty Insurance

More information

ARBITRATION AWARD. Injured Person(s) hereinafter referred to as: Eligible Injured Person "EIP"

ARBITRATION AWARD. Injured Person(s) hereinafter referred to as: Eligible Injured Person EIP American Arbitration Association New York No-Fault Arbitration Tribunal In the Matter of the Arbitration between: Accelerated Surgical Center of North Jersey (Applicant) - and - Allstate Indemnity Company

More information

<<Claim_LossDate>> <<Unit_ClaimantFirstName>><<Unit_ClaimantLastName>>

<<Claim_LossDate>> <<Unit_ClaimantFirstName>><<Unit_ClaimantLastName>> RE: Insured: Claim Number: Medlogix ID #: N/A Date of Accident: Claimant:

More information

ARBITRATION AWARD. Naomi Cohn, Esq. from Ursulova Law Offices P.C. participated in person for the Applicant

ARBITRATION AWARD. Naomi Cohn, Esq. from Ursulova Law Offices P.C. participated in person for the Applicant American Arbitration Association New York No-Fault Arbitration Tribunal In the Matter of the Arbitration between: Avenue C Medical PC (Applicant) - and - Geico Insurance Company (Respondent) AAA Case No.

More information

Proposed Repeal and New Rules: N.J.A.C. 11:3-4.7 and 4.8. Proposed Amendments: N.J.A.C. 11:3-4.1, 4.2, 4.4, 4.9, 5.2, 5.11, 25.2 and 25.

Proposed Repeal and New Rules: N.J.A.C. 11:3-4.7 and 4.8. Proposed Amendments: N.J.A.C. 11:3-4.1, 4.2, 4.4, 4.9, 5.2, 5.11, 25.2 and 25. INSURANCE DEPARTMENT OF BANKING AND INSURANCE DIVISION OF INSURANCE Personal Injury Protection Benefits; Medical Protocols; Diagnostic Tests Personal Injury Protection Dispute Resolution Private Passenger

More information

MELVIN D. MARX, P.A. A PROFESSIONAL CORPORATION ATTORNEYS AT LAW

MELVIN D. MARX, P.A. A PROFESSIONAL CORPORATION ATTORNEYS AT LAW MELVIN D. MARX, P.A. A PROFESSIONAL CORPORATION ATTORNEYS AT LAW www.melvinmarx.com Melvin D. Marx 260 Columbia Ave, Suite 6 Adebukola Ogunsanya Fort Lee, New Jersey 07024 Jennifer F. Wynn T: (201)242-5800

More information

Form Z182 NJ (06/17) Important Notice to Policyholders Medical Protocols

Form Z182 NJ (06/17) Important Notice to Policyholders Medical Protocols Form Z182 NJ (06/17) Important Notice to Policyholders Medical Protocols Important Notice Medical Protocols Progressive Decision Point Review Plan 1 Please read this information carefully and share with

More information

Certified Registered Nurse Anesthetist Direct Reimbursement Participation Agreement

Certified Registered Nurse Anesthetist Direct Reimbursement Participation Agreement Certified Registered Nurse Anesthetist Direct Reimbursement Participation Agreement BLUE CROSS BLUE SHIELD OF MICHIGAN CERTIFIED REGISTERED NURSE ANESTHETIST PARTICIPATING AGREEMENT THIS AGREEMENT is

More information

ARBITRATION AWARD. Todd Fass, Esq. from Hanford, Cooke & Associates, P.C. participated in person for the Applicant

ARBITRATION AWARD. Todd Fass, Esq. from Hanford, Cooke & Associates, P.C. participated in person for the Applicant American Arbitration Association New York No-Fault Arbitration Tribunal In the Matter of the Arbitration between: Medical Diagnostic Services, PC (Applicant) - and - American Transit Insurance Company

More information

ARBITRATION AWARD. Hearing(s) held on 12/14/2016, 05/24/2017 Declared closed by the arbitrator on 05/24/2017

ARBITRATION AWARD. Hearing(s) held on 12/14/2016, 05/24/2017 Declared closed by the arbitrator on 05/24/2017 American Arbitration Association New York No-Fault Arbitration Tribunal In the Matter of the Arbitration between: 21st Century Pharmacy Inc (Applicant) - and - Progressive Insurance Company (Respondent)

More information

Award of Dispute Resolution Professional. Claimant or claimant's counsel appeared in person. Respondent or respondent's counsel appeared by telephone.

Award of Dispute Resolution Professional. Claimant or claimant's counsel appeared in person. Respondent or respondent's counsel appeared by telephone. In the Matter of the Arbitration between At Home Medical Equipment, LLC, a/s/o R.M. CLAIMANT(s), Forthright File No: NJ1312001533798 Proceeding Type: In Person Insurance Claim File No: 0276960036 Claimant

More information

PIP Claim Information Standard Policy

PIP Claim Information Standard Policy PIP Claim Information Standard Policy We understand this may be a difficult and confusing experience and we wish to assist you in any way we can. We hope the following information will help explain the

More information

ARBITRATION AWARD. Steven Miranda from Law Offices of Gabriel & Shapiro, LLC. participated in person for the Applicant

ARBITRATION AWARD. Steven Miranda from Law Offices of Gabriel & Shapiro, LLC. participated in person for the Applicant American Arbitration Association New York No-Fault Arbitration Tribunal In the Matter of the Arbitration between: XYJ Acupuncture P.C. (Applicant) - and - Geico Insurance Company (Respondent) AAA Case

More information

75 Sam Fonzo Drive Beverly, Massachusetts ElectricInsurance.com

75 Sam Fonzo Drive Beverly, Massachusetts ElectricInsurance.com 75 Sam Fonzo Drive Beverly, Massachusetts 01915 800.227.2757 ElectricInsurance.com Month Day, 20## John Doe 123 Main Street Anytown, ST 00000 RE: John A. Doe Claim #: 0000000000 DOL: 00/00/0000 Dear John

More information

ARBITRATION AWARD. Pasquale Bochiechio, Esq., from Pasquale V. Bochiechio, P.C. participated in person for the Applicant

ARBITRATION AWARD. Pasquale Bochiechio, Esq., from Pasquale V. Bochiechio, P.C. participated in person for the Applicant American Arbitration Association New York No-Fault Arbitration Tribunal In the Matter of the Arbitration between: Amherst Medical Supply, LLC (Applicant) - and - A. Central Insurance Company (Respondent)

More information

Welcome, If you have any questions about these policies and procedures, please ask one of our staff members for help.

Welcome, If you have any questions about these policies and procedures, please ask one of our staff members for help. Welcome, Thank you for choosing our practice for your orthopedic healthcare needs. On behalf of everyone at South Shore Orthopedics, LLC we welcome you to our practice. We strive to offer comprehensive,

More information

DECISION POINT REVIEW AND PRE-CERTIFICATION REQUIREMENTS UNDER YOUR AUTO POLICY

DECISION POINT REVIEW AND PRE-CERTIFICATION REQUIREMENTS UNDER YOUR AUTO POLICY PO Box 920 Lincroft, NJ 07738 Underwritten by TL 3606 (Ed. 3/12) Decision Point Review Plan DECISION POINT REVIEW AND PRE-CERTIFICATION REQUIREMENTS UNDER YOUR AUTO POLICY The following provisions apply

More information

Farmers Insurance Company of Flemington

Farmers Insurance Company of Flemington PRE-CERTIFICATION AND DECISION POINT REVIEW PLAN The New Jersey Department of Banking and Insurance has published standard courses of treatment, identified as Care Paths, for soft tissue injuries of the

More information

Text of addition of Part 324 and , amendment of , , , and , and repeal of of 12 NYCRR

Text of addition of Part 324 and , amendment of , , , and , and repeal of of 12 NYCRR Laws Regulations Laws and Regulations by Topic Decisions Search NYS Senate for WC Law Search NYCRR WashLaw Text of addition of Part 324 and 325-1.25, amendment of 325-1.2, 325-1.3, 325-.14, and 315-1.24,

More information

ARBITRATION AWARD. John Gallagher, Esq. from The Law Offices of John Gallagher, PLLC participated in person for the Applicant

ARBITRATION AWARD. John Gallagher, Esq. from The Law Offices of John Gallagher, PLLC participated in person for the Applicant American Arbitration Association New York No-Fault Arbitration Tribunal In the Matter of the Arbitration between: Lidas Medical Supply, Inc (Applicant) - and - St. Paul Travelers Insurance Co. (Respondent)

More information

Medical Fee Schedules: Automobile Insurance Personal Injury Protection and Motor Bus Medical Expense Insurance Coverage

Medical Fee Schedules: Automobile Insurance Personal Injury Protection and Motor Bus Medical Expense Insurance Coverage INSURANCE DEPARTMENT OF BANKING AND INSURANCE DIVISION OF PROPERTY AND CASUALTY Medical Fee Schedules: Automobile Insurance Personal Injury Protection and Motor Bus Medical Expense Insurance Coverage Proposed

More information

American Commerce Insurance Company

American Commerce Insurance Company American Commerce Insurance Company Decision Point Review Plan And Pre-certification Requirements DECISION POINT REVIEW 1. Pursuant to N.J.A.C. 11:3-4, the New Jersey Department of Banking and Insurance

More information

ARBITRATION AWARD. Hearing(s) held on 08/24/2016, 02/14/2017 Declared closed by the arbitrator on 02/14/2017

ARBITRATION AWARD. Hearing(s) held on 08/24/2016, 02/14/2017 Declared closed by the arbitrator on 02/14/2017 American Arbitration Association New York No-Fault Arbitration Tribunal In the Matter of the Arbitration between: Sports Medicine & Spine Rehabilitation PC (Applicant) - and - Allstate Insurance Company

More information

Dear Insured and/or /Medical Provider: Decision Point Review

Dear Insured and/or /Medical Provider: Decision Point Review Dear Insured and/or /Medical Provider: Please read this letter carefully because it provides specific information concerning how a medical claim under Personal Injury Protection coverage will be handled,

More information

IN THE COURT OF COMMON PLEAS FOR THE STATE OF DELAWARE IN AND FOR NEW CASTLE COUNTY

IN THE COURT OF COMMON PLEAS FOR THE STATE OF DELAWARE IN AND FOR NEW CASTLE COUNTY IN THE COURT OF COMMON PLEAS FOR THE STATE OF DELAWARE IN AND FOR NEW CASTLE COUNTY RABRINDA CHOUDRY, and ) DEBJANI CHOUDRY, ) ) Defendants Below/Appellants, ) ) v. ) C.A. No. CPU4-12-000076 ) STATE OF

More information