Miller v. Amica Mutual Insurance

This is the consolidation of Dist./Mun. Cts. R. A. D. A., Rule 8A appeals in two G.L.c. 90, §34M actions to recover Personal Injury Protection (“PIP”) benefits for chiropractic treatment undergone after an independent medical examination (“IME”) had determined that further treatment was unnecessary because the insureds “had reached a medical end result without impairment and without residuals.” The appeals present a single issue of law as to whether an insurance carrier may refuse to pay such chiropractic bills on the basis of the IME and without submitting the bills for additional medical…