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N577 Remark Code: Personal Injury Protection Coverage

N577 means the adjustment or payment relates to Personal Injury Protection (PIP) coverage, the no-fault portion of an auto insurance policy that pays medical expenses after a motor vehicle accident. Read the paired CARC to see what was actually done.

Quick facts

Code
N577 (RARC N577)
Status
Active In use since July 15, 2013.
Code set
Remittance Advice Remark Codes (RARC)
Group codes
  • CO (Contractual Obligation): The PIP adjustment is the provider's responsibility, for example a state fee schedule reduction.
  • PR (Patient Responsibility): The patient may owe the amount, such as a PIP deductible or copayment, depending on the policy and state law.
  • OA (Other Adjustment): Some auto carriers use OA to report PIP-related amounts that another payer may consider.
Official description
Personal Injury Protection (PIP) Coverage.
X12 Remittance Advice Remark Codes, retrieved September 25, 2026
Last verified
against the official X12 list.

What N577 means

Personal Injury Protection is auto insurance coverage that pays certain medical costs, and sometimes lost wages, after a car accident, generally regardless of who was at fault. N577 simply tells you the amounts on this line were processed under PIP. It is a label, not a reason.

To understand the outcome, read it with the CARC: P21 (denied under PIP or MPC rules), P22 (adjusted under those rules), or P23 (PIP fee schedule adjustment).

Why it matters

PIP billing differs from group health billing:

  • State law controls much of it, including fee schedules, deadlines, and what counts as reasonable. New Jersey, New York, and Florida, for example, each have their own PIP payment rules.
  • Benefits have a policy limit. Once exhausted, the remaining balance moves to other coverage.
  • Documentation expectations differ, such as applications for benefits or independent medical exams.

What to do

  1. Read the paired CARC to see whether the line was paid, reduced, or denied.
  2. For fee schedule reductions, confirm the allowance against the applicable state PIP schedule.
  3. For denials, follow the auto carrier’s and state’s dispute process, which is different from a health plan appeal.
  4. Track the PIP limit so you know when to start billing the patient’s health plan.

See how CARC and RARC codes work together and coordination of benefits denials.

Codes that may appear with N577

  • CO-P21 (Payment denied based on the Medical Payments Coverage (MPC) and/or Personal Injury Protection (PIP)): Payment denied under MPC or PIP jurisdictional regulations or payment policy.
  • CO-P22 (Payment adjusted based on the Medical Payments Coverage (MPC) and/or Personal Injury Protection (PIP)): Payment adjusted under MPC or PIP jurisdictional regulations or payment policy.
  • CO-P23 (Medical Payments Coverage (MPC) or Personal Injury Protection (PIP)): A PIP jurisdictional fee schedule adjustment.
  • N579 (Medical Payments Coverage (MPC).): Identifies Medical Payments Coverage (MPC), a different auto medical coverage.
  • N651 (No Personal Injury Protection/Medical Payments Coverage on the policy at the time of the loss.): No PIP or medical payments coverage on the policy at the time of the loss.
  • CO-21 (This injury/illness is the liability of the no-fault carrier.): The injury is the liability of the no-fault carrier.

N577 FAQ

Is N577 a denial?

Not by itself. It labels the coverage type. The CARC on the same line tells you whether the amount was paid, reduced, or denied.

Do all states have PIP?

No. PIP is required or offered in some states, often those with no-fault auto laws. Benefit limits and fee rules vary by state and by policy.

What happens when PIP benefits run out?

Remaining charges typically go to the patient's health insurance or other available coverage. The auto insurer's remittance may show exhaustion with a separate remark code.