
Yes, if you get in a car accident in NYC, your Personal Injury Protection (PIP) insurance should cover physical therapy as long as you can prove that it is medically necessary.
Additionally, if you suffered a serious injury and the crash was caused by somebody else, you may also be able to pursue third-party liability coverage for additional compensation.
If you’re struggling to get your physical therapy paid for or if you’ve exhausted your $50,000 of PIP money and the wreck wasn’t your fault, a New York car accident lawyer may be able to help you get compensation from the responsible party.
Understanding No-Fault Insurance
Also known as PIP, all drivers in NYC are required to maintain a minimum $50,000 no-fault insurance policy on each vehicle they drive.
With PIP, each driver’s insurance company will pay for medical bills, lost wages, and other costs regardless of which driver caused the crash.
If your PIP insurance doesn’t cover your physical therapy for some reason, our lawyers at Morelli Law Firm may be able to help you.
Determining Eligibility for No-Fault Benefits
You should qualify for PIP benefits unless you:
- Got hurt committing a felony
- Were intoxicated at the time of the crash
- Were riding a motorcycle or ATV
- Were uninsured at the time of the accident
- Caused your injuries intentionally
Have You Been Injured In An Accident? Contact Morelli Law
877-751-9800Physical Therapy Coverage Under No-Fault
Keeping in mind that each insurance plan will have some differences, here are some general things to know about getting physical therapy covered under New York’s no-fault insurance laws.
Medical Necessity Requirement
Your PIP coverage may require you to provide documentation from your doctor to prove that physical therapy is “medically necessary” to treat your injuries.
This documentation might state how many sessions you need and why you require them.
Limitations on the Number of Sessions
Before you start physical therapy, make sure you’re familiar with all the details of your PIP coverage. Your PIP may have a maximum allowable charge or limit the number of sessions it will pay for.
Third-Party Liability Coverage
If the accident was not your fault and if your injuries are severe enough to max out your $50,000 PIP coverage, you may be able to file a lawsuit against the responsible party to pursue compensation for physical therapy, medical costs, lost wages, and other damages.
Serious injuries that qualify to pursue third-party liability coverage include:
- A fracture
- A serious burn
- A spinal cord injury
- A traumatic brain injury
- Permanent disfigurement
- Permanent loss of a vital bodily function
- Death
Contact our personal injury lawyers today
877-751-9800How a New York Car Accident Attorney Can Help
Whether you qualify to pursue compensation from a third party or are struggling to get fair compensation from your PIP coverage, the compassionate attorneys from Morelli Law Firm may be able to help you get the money you need.
Here are some things you should know about us and how we can help you get maximum compensation.
Collect Evidence and Determine Liability
To pursue third-party liability coverage, you must prove that you suffered a serious injury and that somebody else caused the crash that injured you.
Our experienced attorneys can collect all the evidence that proves that somebody else was responsible for the accident and should be held liable for your injuries and resulting financial damages.
Negotiate With Insurance Companies
Whether it’s your PIP insurance carrier or a third party’s insurance company, we can negotiate with them on your behalf to argue for a higher settlement than they would likely offer you if you talked to them yourself.
Take Your Case to Trial
Our lawyers thrive in the courtroom, so if the insurance carriers refuse to offer you a fair settlement, we’ll be more than ready to prove to a jury that you should get the amount of money you’re seeking for your damages.
How Much does a New York Car Crash Lawyer Cost?
We work on a contingency fee basis at Morelli Law Firm, meaning we’ll take a percentage of the money we win for you rather than charging you anything upfront.
You don’t have to reach into your pocket to pay us because we don’t want to add to your financial stress during this difficult time.
Schedule a free, no-obligation consultation today to find out how much your case may be worth.
Schedule a Free Consultation With a New York Car Accident Lawyer
Whether you’re fighting with your PIP company or whether you’ve maxed out those benefits and need to go after the responsible driver for additional compensation, the experienced NYC car accident lawyers at Morelli Law Firm can help you get the money you need.
With our combined 40+ years of experience, we have recovered more than $1 billion for our clients.
Schedule a free consultation today to find out how we can help you get the compensation you deserve.
Call or text 877-751-9800 or complete a Free Case Evaluation form