RARC N651: No Personal Injury Protection/Medical Payments Coverage on the policy at the time of the loss.

No Personal Injury Protection/Medical Payments Coverage on the policy at the time of the loss.

Common CARC pairings

RARCs like N651 ride alongside CARCs on the 835 electronic remittance advice. These are the CARC denials RARC N651 is most often paired with.

CARC	Meaning
96	Non-covered charge(s). At least one Remark Code must be provided (may be comprised of either the NCPDP Reject Reason Code, or Remittance Advice Remark Code that is not an ALERT.) Usage: Refer to the 835 Healthcare Policy Identification Segment (loop 2110 Service Payment Information REF), if present.
204	This service/equipment/drug is not covered under the patient's current benefit plan.
P21	Payment denied based on the Medical Payments Coverage (MPC) and/or Personal Injury Protection (PIP) Benefits jurisdictional regulations, or payment policies. Usage: If adjustment is at the Claim Level, the payer must send and the provider should refer to the 835 Insurance Policy Number Segment (Loop 2100 Other Claim Related Information REF qualifier 'IG') if the jurisdictional regulation applies. If adjustment is at the Line Level, the payer must send and the provider should refer to the 835 Healthcare Policy Identification Segment (loop 2110 Service Payment information REF) if the regulations apply. To be used for Property and Casualty Auto only.