Insurance Industry Guidelines

This section was compiled by Frank M. Painter, D.C.
Send all comments or additions to:   Frankp@chiro.org

	Definitions of "Personal Injury" Terminology This information was adapted from New Jersey's guidelines for PI Auto Insurance law, and contains useful explanations of "Medical Necessity", "Covered Expenses", and other PI terms.
	Accepted Diagnostic Tests in Personal Injury This information was adapted from New Jersey's guidelines for PI Auto Insurance law, and defines the concept of "medical necessity".
	National Association of Insurance Commissioners The NAIC is an organization of Insurance regulators from the 50 States. It is a forum for the development of a uniform policy for the Industry. You may find their search tool useful to uncover "Care Pathways" and definitions of "Medical Necessity", "Eligible charge", and appropriate diagnostic tests for your State.

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Since 3–01–2000

Updated 3-27-2022