Who will pay my medical bills?

A: New York has a "no-fault" system of insurance. Generally, the insurance policy of the vehicle you are in will cover your related medical expenses and lost wages up to a certain limit. The New York minimum limit for no-fault coverage is $50,000.00. Please note that a qualified medical doctor must justify and verify your medical bills. Additionally, any claim for lost wage reimbursement under the no-fault requires verification of the time missed from work from your employer, as well as medical verification of a disability from your doctor. You may also qualify for state disability and private disability. Strict time limitations apply, so apply for any applicable benefits as soon as possible, but no later than 30 days from the accident.

If you were injured while in the course of your employment, worker's compensation may apply. If this is the case, you will need to notify your employer and their workers compensation carrier as soon as possible. If workers compensation insurance covers the accident, your medical bills and lost wages may be paid by that insurance company provided that your injuries are related to the accident and verified by a doctor qualified by workers compensation.