Abstract: Systems and methods are disclose for; receiving information related to a medical claim by an insured party identified in a motor vehicle insurance policy, the information including an identifier of a service provider that provided healthcare services to the insured party; determining whether the policy includes a medical care and payments provision that requires the insured party to utilize one or more of a plurality of healthcare providers in a specified network of healthcare providers for medical claims under the policy; and determining whether the service provider is one of the plurality of healthcare providers when it is determined that the policy includes the medical care and payments provision.