Will Insurance Cover Physical Therapy After My Car Accident in New York?

Yes, your Personal Injury Protection (PIP) car insurance should cover physical therapy after you get in a car accident in New York.

You may also be able to pursue third-party liability coverage if you suffered a serious injury in a wreck caused by somebody else.

If the car accident wasn’t your fault and you’ve already used your $50,000 of PIP money on other medical bills, a New York car accident lawyer may be able to help you get money for physical therapy from the responsible party’s insurance coverage.

Understanding No-Fault Insurance

In New York, every driver is required to carry a $50,000 no-fault insurance policy on their vehicle, which is also known as PIP.

Regardless of who is at fault for a car accident, PIP will pay for medical costs, lost wages, and other expenses up to the $50,000 limit.

If you’re struggling to get your physical therapy paid for by your PIP insurance, our lawyers may be able to help you.

Determining Eligibility for No-Fault Benefits

You should qualify for PIP benefits unless you:

• Caused your injuries intentionally
• Were uninsured at the time of the accident
• Were driving a stolen vehicle
• Were riding an ATV or motorcycle
• Were intoxicated at the time of the crash
• Were hurt while committing a felony

Physical Therapy Coverage Under No-Fault

Every insurance plan may have slightly different coverage requirements, but there are a few things you should know about physical therapy coverage under New York’s no-fault insurance laws.

Medical Necessity Requirement

Many PIP plans will require proof that physical therapy is a medical necessity to treat your injuries.

You may need documentation from your doctor documenting things like how many sessions you will require and why you need them.

Limitations on the Number of Sessions

Your PIP coverage may limit the number of sessions they will pay for, or they may have a maximum allowable charge.

You should make sure you understand all the details of your PIP coverage before you start going to physical therapy.

Third-Party Liability Coverage

If your injuries are severe enough and the accident was caused by the other driver or another third party, you may be able to file a lawsuit against them to pursue compensation for physical therapy and other expenses not covered by your $50,000 PIP coverage.

You may qualify for third-party liability coverage if the accident caused you or your loved one to die or suffer from:

• Permanent loss of a vital bodily function
• Permanent disfigurement
• A fracture
• A serious burn
• A traumatic brain injury
• A spinal cord injury

How a New York Car Accident Attorney Can Help

Whether you’re struggling to get compensation from your PIP coverage or if you qualify to pursue damages from a third party, the experienced attorneys from Morelli Law Firm may be able to help you get the compensation you deserve for your injuries.

Here are some of the ways we can help you and other things you should know about us.

Determine Liability

To qualify for third-party liability coverage, not only do you need to prove that you suffered a serious injury, but you must also be able to prove that another party is responsible for the crash that caused your injuries.

Our compassionate lawyers can gather the necessary evidence to prove that another person caused the crash and should be held responsible for your financial damages.

Negotiate With Insurance Companies

Insurance companies want to maximize their profits by paying you as little as possible.

You don’t have to put up with a bullying insurance adjuster.

Let us negotiate with the insurance companies on your behalf. Since they know we aren’t afraid to go to trial, we’re more likely to get you a fair settlement than you’ll be able to get on your own.

Take Your Case to Trial

If the insurance company refuses to offer you a fair settlement, our lawyers thrive in the courtroom and will be ready to prove to a jury why you deserve the amount of compensation you’re asking for.

How Much does a New York Car Crash Lawyer Cost?

At Morelli Law Firm, we don’t want to throw additional bills at you during this difficult time, so we work on a contingency fee basis.

We won’t ask for any money upfront. Instead, we’ll take a percentage of the money we get for you.

With no fees until we win, schedule a free, no-obligation consultation today.

Schedule a Free Consultation With a New York Car Accident Lawyer

If you’re struggling to get money for physical therapy after a wreck that wasn’t your fault, a New York car accident lawyer from Morelli Law Firm may be able to get you the compensation you’re entitled to.

We’ve recovered over $1 billion for our clients using our combined 40+ years of experience.

Let us put our experience to work on your behalf. Schedule a free initial consultation today.