In CA (I am not sure what kind of state this is!) I always contact the auto insurance adjustor before billing anything. I ask what they need from the physician, and at that time, if it is coordinated benefits, they will tell me to send the EOB from health insurance. Even if the health insurance does not have Chiro benefits, or is an HMO and the patient is out of network, I still must bill and send the denied EOB to receive payment from the auto insurance. And then some auto insurances are direct pay - I send claims directly to the adjustor.When the auto insurance benefits are exhausted and treatment is still neccessay, the patient can decide if they want to bill health insurance from that point on.

Catherine