GEICO cut off my Michigan no-fault PIP medical benefits, attendant care, and replacement services 14 weeks after a rear-end crash on I-96 based on a 22-minute "independent medical examination" by an orthopedic surgeon who last held operating privileges in 2014, whose two-page report says i reached "maximum medical improvement" and that my ongoing treatment for cervical radiculopathy is "excessive and not causally related to the accident of record," while my treating neurologist, an MRI showing a C5-C6 herniation contacting the nerve root, and a positive EMG all say otherwise, and the cutoff letter offers no appeal process, just a sentence saying i "may submit additional documentation for consideration." What are the numbered moves for fighting a Michigan no-fault PIP cutoff: the IME rebuttal, the treating physician letter that actually moves a file, the one-year-back rule clock that is quietly running on every unpaid bill, the attorney fee statute that makes lawyers take these cases, attendant care logs, replacement services documentation, the IME doctor's testimony history, and when do you stop feeding the file and sue?
the crash was february, stopped traffic on I-96 outside Novi, and the SUV behind me was doing about 45 when it hit me, airbags, totaled sedan, ER that night. the injury that stayed is my neck:...