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

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

Originally published September 27, 2021. Updated July 25, 2023.

What Does PIP Insurance Cover in New York?

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 through your PIP coverage. On the other hand, if you were injured as a passenger in someone else’s vehicle, their auto insurance company should cover your medical bills.

Additionally, 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.

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 against a negligent driver 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

 Facing uncovered medical bills can be overwhelming, but it’s essential to take proactive steps to address the situation. Seeking legal assistance can significantly improve your chances of securing the compensation you deserve after an accident. Remember, you don’t have to face this challenge alone. At Catalano Law we are here to answer questions during this time of uncertainty and stress. Reach out today for a free consultation so our team can help you get your life back on track.

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