GK purchased two separate automobile polices of insurance with Farmers Insurance. Each policy provided $15,000 in medical bill benefits and $15,000 in wage loss benefits, for a total of $60,000. He suffered a herniated lumbar disk in a rear-end collision. Farmers initially informed GK that he was limited to $30,000 in PIP benefits for the car that he was driving at the time of the accident and that he could not use the PIP benefits form his other policy of insurance.
Farmers paid GK's first $6,500 in medical expenses and then sent GK to a doctor of their choice for an Independent Medical Exam. Farmers did not provide their doctor with GK's discogram, which verified his lumbar disk injury ... Read more