Who will take care of my medical bills from the car accident?

If you suffered injuries in a car accident, you will likely have medical bills from doctors, hospitals, physical therapists and other health care providers, as well as fees for prescription drugs and medical devices. All of these bills will be in your name and will usually be sent to your address.

Under New York’s no-fault law, the insurance company that covered the vehicle you were in will have primary responsibility for paying your medical bills. If you were a pedestrian, the insurance company of the car that hit you will be responsible for the medical bills. Make sure you provide your no-fault insurance information to all of your medical providers including any hospitals you may have treated with so they may bill no-fault directly.

Sometimes the money the insurance company is willing to pay is far less than the amount of the actual bill. New York law often requires the doctor or hospital to limit their charges to the amount covered by no-fault insurance policies.