While dealing with damages after an unexpected car accident, you can get help through no-fault benefits. In New York state, no-fault insurance coverage provides you with a reimbursement regardless of who caused the accident. If you were not at fault, you can seek damages from the other party by filing a claim through their insurer. Otherwise, your insurance company will reimburse you for your damages and seek compensation from the other insurer if that is an option. Before you file no-fault claims, you should speak to your attorney to learn about the process and how it works.
Types of Care I Can Expect
No-fault benefits provide a variety of medical care services. The care must be directly related to the injuries you incurred in the auto accident. Medical treatments covered by no-fault include:
- Hospitalization or emergency services related to the accident
- Visits to a doctor or other medical professional who specializes in treating your injuries
- Diagnostic tests, such as X-rays, MRI scans, and CT scans
- Physical therapy and rehabilitation
- Prescription drugs related to the injury
- Surgery if required by your condition
- Assisted living services, such as nursing care and home health aides
- Long-term care if your injury results in a disability that requires you to have ongoing support
Additional Coverage Through No-Fault Benefits
No-fault benefits also cover the cost of durable medical equipment you may need, such as crutches, wheelchairs, or walkers. The benefits may also include coverage for lost wages, mileage reimbursement for trips to medical appointments, and caregiver expenses.
How to Qualify for No-Fault Benefits
In order to qualify for no-fault benefits, you need the following:
Suffered Damages in an Accident
You would have suffered an injury due to a motor vehicle accident. You will need to provide proof of your injuries and the expenses associated with them. Depending on the state in which you live, this could include medical bills, copies of prescriptions, records from physical therapy visits or hospital stays, and documentation of lost wages.
You will also need to provide the insurance company with information about the other driver involved in the accident. This includes their name, contact information, and policy number. If another driver is at fault for your injuries, you may be able to pursue a claim against them as well.
What Should I Do to Prepare for My No-Fault Reimbursement Claim?
You should also keep detailed records of all medical treatments, bills, lost wages, and other costs related to your accident so you can maximize your no-fault benefits and get the money you deserve. By understanding what types of care are provided for under no-fault benefits, you can make sure that you get the most out of your coverage.
Why You Should Seek the Help of an Attorney
If you are injured in an auto accident, it is important to remember that you should never accept any settlement from an insurance company without first consulting with a qualified attorney. An experienced personal injury attorney can help ensure that you get the maximum amount of compensation for your injuries and losses.