What if My Medical Bills are More than PIP Will Cover?

When injured in a car accident, you may be unsure how to move forward, especially if you cannot return to work. You may find that medical expenses can become expensive after your car accident so that you may reach the no-fault coverage limits of your Personal Injury Protection (PIP) very quickly.

It is important to know about the other options available so you can make an informed decision for yourself or your loved ones as you meet with a car accident attorney about getting the full compensation you need to cover your accident-related medical expenses.

Can PIP Cover the Cost of My Medical Bills?

In New York, it doesn’t matter who is at fault for an accident; if you were injured as a driver, your own auto insurance company is supposed to pay any medical expenses under PIP coverage. If you were injured as a passenger in someone else’s vehicle, their auto insurance company should cover your medical bills.

If a car hits you while you were walking or biking, the driver’s insurance company pays your medical bills. Other non-motorized modes of transportation, like rollerblading and skateboarding, are also covered under this category.

The minimum no-fault PIP limit for medical bills, lost wages, and other accident-related costs is $50,000 in all circumstances. Under New York’s no-fault auto insurance laws, the minimum no-fault benefits also include:

When you have suffered major injuries that require lengthy medical treatments and time off work, your insurance provider may cap your reimbursement at $50,000. At that point, you can look at other options to help pay your medical bills.

What if My Medical Bills Are More Than PIP Covers?

Your minimum no-fault PIP benefits are not the only option for paying medical bills after your car accident. Insurance providers in the state of New York offer two additional coverage options: Additional Personal Injury Protection (APIP) and Optional Basic Economic Loss (OBEL).

How to Prove Serious Injuries from a Car Accident

If you’ve suffered serious injuries in New York, you can seek compensation beyond your no-fault coverage by filing a personal injury lawsuit against the at-fault driver. However, before you can do so you need to meet the legal threshold of a serious injury. According to New York State law, the conditions for a serious injury include:

If you believe your injuries are serious and want to file a lawsuit against the other driver in the state of New York, contact a car accident attorney immediately. They can help you determine if your injury meets the conditions under state law and get your case in motion.

What Are the Deadlines for Filing a No-Fault Claim After a Car Accident?

If you want to have your medical bills and lost wages paid by no-fault insurance, you must file a no-fault claim within 30 days of the accident. Otherwise, any benefits are denied, and the costs are your responsibility.

The New York State statute of limitations for filing a lawsuit is three years in most car accident cases. If the accident involved any municipal, state, or federal entity, you have 90 days to file.

Work With a New York State Car Accident Attorney

When you have exhausted your PIP benefits after a car accident, it can be challenging to decide what to do next. That’s why we always recommend consulting an attorney to determine if your injuries are severe enough to warrant a lawsuit against the other party under New York State law.

The Syracuse car accident attorneys at Catalano Law are here to answer questions during this time of uncertainty and stress. Contact us today to schedule a free consultation so we can help you get your life back on track.

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