Don’t Let Medical Bills Ruin Your Life – Fight for Compensation Now!
If you’ve been injured in a car accident in New York City, you’re likely facing mounting medical bills, lost wages, and insurance companies trying to lowball your settlement. The reality is that insurance companies are not on your side—they’re in business to save money, not to ensure you get proper compensation. But as an aggressive NYC car accident lawyer, I’ll show you exactly how to get your medical bills paid after a crash and fight for the maximum compensation you deserve.
Who Pays for Your Medical Bills After a Car Accident in NYC?
New York operates under a no-fault insurance system, which means that your own car insurance is responsible for covering your medical expenses—up to a certain limit—regardless of who was at fault for the accident. Here’s how it works:
1. No-Fault (Personal Injury Protection – PIP) Insurance
New York law requires all drivers to carry at least $50,000 in Personal Injury Protection (PIP) coverage. This coverage pays for your medical expenses, lost wages, and certain other expenses related to the accident.
✔️ Covers hospital visits, surgeries, physical therapy, prescription medication, and diagnostic tests
✔️ Includes up to 80% of lost wages (capped at $2,000 per month)
✔️ Applies regardless of who caused the accident
2. Health Insurance Coverage
If your medical bills exceed the $50,000 PIP limit, your health insurance may step in to cover additional expenses. However, you may still have co-pays, deductibles, or limitations that leave you with out-of-pocket costs.
3. Filing a Claim Against the At-Fault Driver
If you have serious injuries (as defined by New York law), you may step outside the no-fault system and file a personal injury lawsuit against the at-fault driver. This allows you to recover:
✔️ Medical expenses beyond PIP coverage
✔️ Lost wages exceeding PIP limits
✔️ Pain and suffering compensation
✔️ Other damages related to your injuries
Steps to Take to Get Your Medical Bills Paid After a Car Accident in NYC
1. Seek Immediate Medical Attention
Your health comes first—get medical treatment as soon as possible after an accident. Even if you feel fine, injuries like whiplash, internal bleeding, and concussions can take days to appear. Delaying medical care can hurt both your health and your claim.
2. File a No-Fault Insurance Claim Immediately
You have 30 days from the date of the accident to file a no-fault claim with your insurance provider. Missing this deadline could result in your medical bills not being covered.
3. Keep All Medical Records & Bills
✔️ Save hospital records, doctor’s notes, prescriptions, and therapy bills
✔️ Keep copies of X-rays, MRIs, and diagnostic tests
✔️ Get a written diagnosis from your doctor detailing injuries related to the accident
4. Do NOT Accept a Quick Settlement from the Insurance Company
Insurance companies often offer quick, lowball settlements that don’t even begin to cover the full cost of your medical care. Do NOT accept an offer before consulting a skilled NYC car accident lawyer.
5. Speak with a New York Car Accident Lawyer ASAP
Navigating insurance claims, medical bills, and lawsuits can be overwhelming. A skilled personal injury attorney will:
✔️ Negotiate aggressively with insurance companies
✔️ File claims against at-fault drivers to recover additional compensation
✔️ Help you get medical treatment even if you don’t have insurance
✔️ Maximize your settlement to cover ALL of your medical expenses
How to Recover Compensation Beyond PIP Insurance
If your injuries are serious, you can step outside of the no-fault system and file a lawsuit against the at-fault driver. Under New York law, serious injuries include:
✔️ Fractures and broken bones
✔️ Significant disfigurement
✔️ Permanent disability
✔️ Loss of a body part or organ function
✔️ Any injury preventing you from performing daily activities for 90+ days
If you meet any of these criteria, you can sue the negligent driver for full medical costs, lost wages, and pain and suffering.
What If the At-Fault Driver is Uninsured?
New York law requires all drivers to have Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage. If the at-fault driver is uninsured, you may still be able to recover medical expenses and other damages through your own policy.
✔️ File an Uninsured Motorist Claim with your insurance company
✔️ Seek compensation under your Underinsured Motorist Coverage if the at-fault driver’s insurance isn’t enough
✔️ Work with a car accident attorney to explore all legal options for recovery
Why You Need a Top NYC Car Accident Lawyer to Get Your Medical Bills Paid
Getting your medical bills paid after a car accident is not automatic—insurance companies will fight to minimize payouts or deny your claim altogether. That’s why you need an aggressive and experienced New York car accident attorney who knows how to fight back and win.
At Oliveri & Schwartz, we have recovered millions for NYC car accident victims. We know the insurance company tricks, and we know how to get you every dollar you deserve.
🚨 We offer free consultations, and we don’t get paid unless YOU WIN. 🚨
📞 Call now: 212-987-1100 for a FREE consultation 📍 Serving all five boroughs: Manhattan, Brooklyn, Queens, The Bronx, and Staten Island
Final Thoughts
If you’ve been injured in a car accident in NYC, don’t wait—you have limited time to file claims and ensure your medical bills are covered. Follow the steps outlined above, and work with a skilled car accident lawyer who can fight for your maximum compensation.
📞 Call 212-987-1100 now to schedule your free case review!
