Health insurance can cover car accidents in New York, but it usually pays only after No-Fault insurance benefits are exhausted.
If you’ve been injured in a car wreck, a Long Island car accident lawyer can review the details of your case and advise you on your best course of action.
Your lawyer will identify all possible sources of compensation and work hard to get the money you need to cover medical bills, vehicle repairs, and other accident-related losses. Let’s take a closer look at whether health insurance can cover car accidents and dive deeper into how a lawyer can help you after a crash.
Understanding Whether Health Insurance Covers Car Accidents
While your health insurance can cover some costs after a crash, it is usually not the first place medical bills go after an accident. New York is a No-Fault state, which means your own No-Fault personal injury protection (PIP) insurance typically pays for accident-related medical treatment first, regardless of who caused the crash.
As mentioned above, health insurance may only become relevant after No-Fault benefits are exhausted or if you require certain treatments that aren’t covered by your injury insurance. A knowledgeable car accident attorney can offer further information and support you throughout the legal process after a collision.
How Emergency Room Bills Are Handled After a Crash
After you suffer injuries in a car accident in New York, emergency room treatment is usually provided first, and bills are figured out later once the patient is in a stable condition. Hospitals do not wait for fault to be determined before giving care.
In many cases, the ER will bill No-Fault insurance once it is discovered that the injury was caused by a motor vehicle accident, even if you provided health insurance information at intake. If No-Fault coverage is delayed or already exhausted, the hospital may temporarily bill your health insurance.
That does not mean health insurance is ultimately responsible, because billing can be corrected later once No-Fault coverage is confirmed. Speak to a lawyer today to learn more about when health insurance covers car accidents and get the advocacy you deserve.
Medical Costs That Insurance or Liability Coverage May Cover
If you’re wondering whether health insurance covers car accidents, you’re probably also interested in exactly what costs your insurance will cover. While the answer to this question depends on your unique situation and policy, there are many treatment expenses that are generally covered after a car wreck.
A car accident lawyer can assess your losses and calculate how much you should receive from a claim. Depending on your unique situation, your attorney may pursue compensation for any of the following from your No-Fault insurance:
- Emergency room evaluation and trauma care
- Ambulance transportation
- Hospital stays
- Diagnostic testing
- Follow-up visits with doctors or specialists
- Physical therapy
- Pain management treatment
- Prescription medications
- Surgical procedures
- Ongoing treatment for long-term injuries
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How a Lawyer Can Help You After a Car Accident
There are many steps a lawyer will take to help you after a collision, in addition to explaining whether health insurance covers car accidents. Whether you’re dealing with a serious injury, income losses, a totaled vehicle, or other challenges, you can count on your attorney to see your case through from beginning to end, working hard so you can focus on recovery.
Here’s what a dedicated lawyer will do to help you get your life, finances, and health back on track after a wreck:
- Take over all insurance communications so you don’t have to deal with dishonest adjusters and lowball settlement offers
- Review every available policy to uncover all possible coverage
- Make sure medical bills are routed to the correct insurer
- Step in when insurers delay your claim or attempt to shift responsibility
- Document how injuries affect your ability to work
- Push back against lowball offers
- Prepare the case as if it will go to trial
- Pursue full compensation for medical costs, income loss, and more
- Keep you informed so you always know where your case stands
- Explain to you whether health insurance covers car accident losses
As you can see, there’s a lot that a lawyer can do to help you recover compensation after a car wreck. Reach out to an attorney today to learn more about insurance coverage after an accident and get the help you need to file a strong claim for damages. Deadlines may apply to your case, making it best not to delay your claim.
Schedule a Free Consultation With a Trusted Car Accident Attorney
If you’re still wondering whether health insurance covers car accidents, reach out to the team at Levine And Wiss today. We have over 100 years of combined legal experience and can answer any questions you have about your case. We can also pursue full compensation for your medical bills, pain, income losses, vehicle repairs, and more.
Our team has recovered hundreds of millions in damages for injury victims, and we’re fully prepared to pursue the outcome you deserve. Contact us today to schedule a free consultation and learn more about the steps we’ll take to support your recovery after an accident.
