If I have been injured in a car accident, how do I pay for my medical treatment?

We talked in my last blog that Personal Injury Protection (PIP), also known as No-Fault, is mandatory on every insured vehicle in New York State.  Therefore, No-Fault will pay for your medical treatment regardless of who is at fault for the accident.  However, there are limitations.   No-Fault is only available up to $50,000 unless additional No-Fault coverage was purchased beyond the statutory minimum. 

You may be covered for medical treatment and prescriptions up to the available limit on the No-Fault insurance policy, as long as the treatment is casually related to the car accident.  You are also entitled to reimbursement for mileage used to seek medical treatment, however coverage is usually only available for the first year after the accident.  In addition, you may be entitled to home assistance after an accident, however coverage is only available for the first year as well.  Also, all home assistance must be necessary and certified by a doctor to qualify for reimbursement.

Most car insurance companies generally require that they receive any medical bills within 45 days from treatment.  You must notify your doctor that they need to bill your No-Fault insurance for any treatment related to the car accident.  If you have treated with your doctor prior to the car accident, you should verify that the doctor is billing the proper insurance company.  Many times a doctor’s office will have a separate billing department and they will bill the insurance company they have on file.  And since billing usually takes time, by the time you realize that the doctor office has billed the wrong insurance company, the 45 days may have passed and the insurance company may deny paying the bill as untimely.  This ultimately may result in you being responsible for the bill. 

You may make a claim against a negligent driver if you suffered damages beyond No-Fault or if you suffered a serious injury.  Please call Heather R. La Dieu, Esq. at Meggesto, Crossett & Valerino, LLP at (315) 471-1664 if you would like to talk to an attorney about an injury you sustained in a motor vehicle accident.