You have been injured in a car accident. An injury settlement or verdict can take years. That does not help you pay for your medical bills now. What gives?
In New York State medical bills are covered through no-fault insurance or personal injury protection coverage. You cannot register a vehicle in New York State without having purchased no-fault insurance coverage.
No-fault insurance is designed to cover medical expenses regardless of who is at fault in an accident. Basic no-fault insurance will cover up-to $50,000 in medical expenses. Typical expenses include: ambulance fee, emergency room treatment, machine testing (x-ray, MRI, etc), surgery, at-home care, medication and more.
You should have an attorney review your no-fault policy. These documents can contain confusing language. it is possible you purchased a premium policy with more in-depth coverage.
CAN YOU BILL HEALTH INSURANCE FOR MEDICAL EXPENSES RESULTING FROM AN AUTO ACCIDENT?
Yes! It is expected. You must provide your insurance provider with written proof of medical expenses within 45 days of treatment. After being provided with written proof of your medical expenses your insurer is legally obligated to foot the bill within 30 days.
What If My Medical Expenses Exceed What No-Fault Insurance Covers?
Serious injuries can result in damages that far exceed your no-fault coverage.
If the other party involved in the collision is at fault for the collision you can recover for damages that exceed your no-fault insurance coverage. This can be a complicated process.
The process of receiving a higher level of compensation than is covered by your no-fault plan is more complex than a no-fault insurance claim because you need to negotiate expenses with the insurance company that covers the other driver or drivers involved in the collision. It is best to let an attorney handle negotiations with the other sides insurance company. Personal injury attorneys routinely negotiate with insurance companies. We know all the tricks they will use in their attempts to minimize your recovery.
SHOULD I SPEAK TO A PERSONAL INJURY ATTORNEY ABOUT MY MEDICAL EXPENSES FOLLOWING A CAR
Believe me when I tell you negotiating with the insurance company is less pleasant for the average individual that going to the dentist office. They will fight vigorously to compensate you as little as possible for injuries resulting from your accident.
Insurance companies will tempt you to trust their processes. Don’t! A personal injury attorney can help you navigate the shark infested waters of the insurance world. Bragoli & Associates P.C, offers free legal consultations. Feel free to reach out with any questions by calling 631-423-7755 or through email firstname.lastname@example.org