Will Health Insurance Cover an Albany Car Accident?

Posted: February 19, 2019

No-Fault / PIP Coverage

New York is a “no-fault” auto insurance state. This means that the idea that the other person’s auto insurance pays for your lost wages, vehicle damage, and medical bills is not always true. Every driver in New York State has to have $50,000.00 worth of no-fault coverage that is referred to as Personal Injury Protection and it is the no-fault carrier that generally pays for medical costs that pertain to your car accident injuries. Generally speaking, this coverage pays:

  • Up to 80 percent of lost wages but with a maximum of $2,000.00 per month for up to three years
  • $25.00 per day for miscellaneous expenses
  • Medically necessary treatment and rehabilitation costs associated with the accident

Payments Must be Approved

Getting your insurance company to approve a wage amount and to pay miscellaneous expenses can be easy. This is because those numbers can be quickly found and calculated. But getting treatment can be an entirely different situation. Regular health insurance generally approves a procedure quickly. But, PIP insurance generally has to make sure that the procedure is associated with the accident and necessary. Your insurance company can deny treatment options if it feels they are not necessary or the result of your accident.

Would I Then be able to Use Health Insurance?

If your auto insurance company determines that a condition you are suffering from is not the result of the Albany car accident, then you may able to ask your health insurance company to cover the situation. In most cases, a health insurance company will cover something that is not related to the car accident. However, be prepared to possibly be denied by your health insurance company as well.

If you are hurt in an Albany car accident, we encourage you to give our helpful car accident lawyers a call, today. We will provide a consultation at no charge.

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