The one-year-back rule limits how far back you can recover unpaid No-Fault benefits—even if the insurance company clearly owes them.

If your insurer refuses to pay medical bills, wage loss, or other PIP benefits, and you file a lawsuit, you may only recover benefits that accrued within the 1 year before the lawsuit was filed.

Why this matters:

• Delayed billing (common in hospital systems) can cause losses.
• Insurance companies often stall—hoping the one-year-back rule will wipe out your claim.
• Injured people often don’t realize bills are being denied until it’s too late.

At LSM, we closely track benefit dates from day one and intervene early with insurers. Our entire team participates in monitoring client files—reflecting the office-wide teamwork discussed in your firm strategy meetings.

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