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No-Fault Insurance

no-fault doctors in new York

All of the doctors and medical facilities listed on Injured Call Today accept No-Fault Insurance.

New York No-Fault Insurance

New York is a “no-fault” insurance state, meaning that the insurance company must pay for medical bills and other expenses if you were involved in a car accident, even if you were at fault. If you have been in an accident, you do not have to worry about proving fault. You can make a claim with your car insurance company, and it will be responsible for your expenses. Learn more about how New York no-fault insurance works, so you can get the care you need.

Medical Expenses Covered by No-Fault Insurance in New York

NY no-fault insurance offers comprehensive coverage for medical expenses. It will cover your ambulance ride if necessary, as well as diagnostic testing, medical treatment, and physical therapy. It also covers surgery and medications.

You can use the no-fault insurance to receive treatment for accident-related injuries for a full year. The time limit is extended in special cases when the injuries are so severe that ongoing treatment is required.

Who Is Covered by No-fault Insurance?

Everyone inside of a vehicle is covered by no-fault insurance in New York. If you are the policyholder, you are covered as well as everyone else inside during the accident. This policy also covers injured pedestrians. If you or anyone in your household is hit by a car while walking, you can seek medical care.

There are some exclusions, though. The state of New York does not require coverage to extend to motorcycle riders or passengers. Also, if you are not insured, you will not have no-fault insurance. Finally, if you do not reside in the state of New York, you will not be covered by no-fault insurance. It is only available to residents of the state.

Insurer Exceptions

New York allows insurance companies to add additional exceptions to policies. You will need to look at your coverage to determine which exceptions your policy includes. Common exceptions include drivers who are injured when intoxicated or committing a felony. You also might not be covered if you are in a stolen vehicle or racing your vehicle.

Receiving No-fault Benefits

To receive no-fault benefits, you must make a claim with the insurance company. You only have 30 days to make your claim. If you fail to do so within that time period, it can be denied. You need to file form NF-2 to receive the benefits.

You also need to make sure that your health care provider understands that you are covered by no-fault insurance. The provider must submit all medical bills within 45 days of your treatment to get reimbursed.

Seeking Medical Care

You do not have to wait to make a claim before seeking medical attention. When you go to your no-fault doctor, explains you were in a car accident and will use your no-fault coverage. The provider will use a New York no-fault medical fee schedule to determine the costs. After you receive treatment, you can file the necessary paperwork, and your provider will be reimbursed.

Get Care for Your Car Accident Injuries 

Many people think it is OK to wait to receive care after an auto accident injury. However, it is always wise to go to the New York no-fault doctor as soon as you are in an accident. The symptoms from some injuries do not show up immediately, and waiting can put your health at risk. As a no-fault insurance state, you don’t have to worry about expensive medical bills getting in your way. Instead, you can get the treatment you need and get back on the road to good health.

If you have a no-fault insurance claim, contact us today. We can help you find a doctor after a car accident, provide you with the care you need and help you understand how the process works.