What You Should Know About No-Fault Insurance/Policy

"No-fault" insurance refers to medical coverage which you are required by state law to carry on your automobile insurance. The actual no fault part of your auto insurance policy is usually called personal injury protection, or PIP. In general benefits will include most injury-related expenses. The most common benefits are medical costs, loss of wages, and compensation for loss of services, funeral expenses, and death benefits.

In order to qualify for No-Fault benefits, you must file a No-Fault Application (form NF-2) with the insurance carrier of the car you were in when the car accident took place. If you were a pedestrian, you should send the form to both the insurance carrier of the car that hit you and the insurance carrier of a car that you own (if you own a car). When you speak to your insurance company, ask for the form. They won’t always send it to you automatically because they know of the time constraints.

If you are claiming lost earnings and out of pocket expenses, you will need to take additional steps to ensure payment of your claim. First, for lost earnings, you must make sure that your employer sends in proof of your wages, disability and loss of income within ninety (90) days of the accident. You may need to be on top of your boss to get these documents filed. Remember, under No-Fault you are entitled to receive 80% of your accident related lost earnings up to $2000 a month paid over a maximum of three years.

Much like worker's comp, "no-fault" medical coverage is primary, and the first-party insurance carrier must pay it. "No-fault" relates only to the medical coverage; if someone hits your vehicle, and they are at-fault, they are still legally liable to pay for the damages to your vehicle

We provide the following evaluations and exams for assessment of injuries:

• Functional Capacity Evaluations
• Range of Motion Exam
• X-rays Exam
• Neurology Exam
• Pre-Work/School Screens
• Functional Job Analysis
• IME Exams
• Filing claims for:
• No-Fault
• New York State Workers' Compensation
• Slip and Fall Accidents

We also provide the following treatment services:

• Aquatic Physical Therapy
• Body Mechanics Workshops
• Geriatric Services
• Treatment and Injury Prevention for Arthritis and Osteoporosis
• Acupuncture
• Electric stimulation
• Chiropractic