New York is a No-Fault state. This means that New York State car owners with insurance (No-Fault coverage) can receive chiropractic care without a referral from another doctor. This insurance is often referred to as personal injury protection (PIP).
With No-Fault insurance, if you are in a car accident, you and your passengers can receive chiropractic health services—regardless of who is at fault. To file a claim, you must notify your insurer and submit a claim application (Form NF-2) within 30 days of the accident. You must first file a claim with your own insurance, even if the other driver was responsible.
How Does New York’s No-Fault Insurance Work?
- Who is covered: The law applies to all drivers, passengers, pedestrians, and cyclists involved in a motor vehicle accident.
- Filing a claim: To collect benefits, you must file a written claim with the insurance company within 30 days of the accident. The claim is filed with the insurance company of the vehicle in which you were an occupant.
Benefits of New York’s No-Fault Law
- Payments for chiropractic care and chiropractic rehabilitation
- Coverage for therapy and related treatments performed by a chiropractor
- Access to care regardless of fault, helping you recover faster and more affordably
In New York, people involved in a No-Fault case are required to file a written claim with the insurer within 30 days of the accident. The claim must be filed with the insurance company that covers the car involved. A personal injury lawsuit may also be available for those who are seriously injured. Our office has extensive experience working with such cases.
Get Help After a Car Accident
Learn more about receiving chiropractic treatment under New York’s No-Fault insurance. Contact us online or call (518) 664-2673 for a free consultation. We can help you understand your treatment options and guide you through your recovery after an accident.