A no-fault accident simply means that you were not responsible for the accident that took place in any form. Before worrying about your insurance during an accident, it’s obvious that you should check on yourself, passengers, and the other car before proceeding with insurance. If you were in a no-fault accident, your insurance will generally not raise its insurance rates. The driver who was responsible for the accident will be required to pay your medical expenses as well as vehicle repairs. At New York Injury Associates, we value and accept no-fault insurance to help patients make full recoveries. If you are looking for workers comp doctor in Bed-Stuy, we are the place to go to. The specialties that we offer can help you in many different ways when recovering from an injury. If you end up injured in an accident, it is very important to get treated as soon as possible before you’re left with life-lasting effects from the injuries sustained at that time.
No-Fault Car Accidents
As previously stated, a no-fault accident means that you are not the driver that was responsible for the accident that took place. Even if you’re not the driver responsible for the accident, you still must notify the police and then your insurance about the situation that took place. Depending on what state you are in during the accident, the rules alter. Every state has its own fault determination rules. The 12 “no-fault states” are:
The remaining 38 states in the US are “fault states.” When an accident takes place in a no-fault state, the car insurance that you have will cover the damages that occurred to your car as well as your medical expenses, regardless of who the responsible driver for the accident was. In a fault state, the driver who is responsible for the accident will have their insurance company pay for everything that the other driver needs to pay for.
Will a No-Fault Accident Raise Insurance Rates?
Typically, a no-fault accident of any nature will not raise your insurance rates. This is because the responsible driver’s insurance company will pay for everything that needs to be paid for. Your rates will not go up as long as your insurance company does not have to give you any money for this claim. If your rates happen to go up after a no-fault accident (meaning you’re responsible for the accident that took place), there are a couple of ways to lower it:
Some insurance rates may increase by around 10% and others may increase by around 2%. It all just depends on what insurance you have.
Will a No-Fault Accident Appear On My Record?
An accident of any fault will appear on your record. You are required to file a claim to your insurance no matter what accident you get in. That alone will require the accident to be placed on your record. The amount of time an accident spends on your record depends on the type of accident you’re in:
Car insurance claims usually stay on your record for around 3-5 years. There’s no way to remove it from your record as well.
How Can Workers Comp Doctor in Bed-Stuy Help You?
If you are involved and injured in any form of accident, New York Injury Associates specializes in many fields that can help you recover. Our team consists of:
With this wide range of professionals that make up the practice that we have, patients should feel very comfortable and confident that our team of professionals can find the perfect solution to help your body heal from all injuries sustained in the accident. We also take no-fault insurance to help patients make full recoveries. There are a few things that patients need to keep in mind. Since we do take this type of insurance, patients must meet specific standards to remain covered. Showing up for every scheduled appointment is required to play an active role in recovering. If your plans consist of filing a lawsuit against the driver who caused the accident, you will need to get expert medical testimony to give yourself a high chance of a successful court case.
At New York Injury Associates, we offer some of the best workers comp doctor in Bed-Stuy that you can find. To schedule an appointment, visit our website or call us at 619-NOFAULT!
No-fault cases can be confusing and stressful to deal with on your own. If you were injured in a car accident, determining suitable care can be a challenge when your main focus should be on recovery. If you need a workers comp doctor in Bed-Stuy , New York Injury Associates is your best resource! Our focus is to provide you with medical assistance and support in legal cases when possible. Our main priority is to always help you reach the optimal outcome in your personal injury case.
How it Works
In no-fault states, drivers are required to carry Personal Injury Protection (PIP) insurance. This car insurance coverage applies even if you were not driving during the accident. In the instance of a no-fault car accident, your insurance will cover some or all of your medical bills from a car accident regardless of who was at fault in the crash. This type of coverage can also cover lost wages from the time of the accident in some cases.
Although no-fault insurance covers medical costs, the expenses incurred from damage to your vehicle are not covered by no-fault insurance. This expense would need to be covered by either the other driver’s liability policy or your collision insurance. In New York State, the no-fault system prevents victims from filing a claim for damages against the other driver to cover medical expenses.
New York Injury Associates
At New York Injury Associates, we specialize in connecting clients with a variety of services including, chiropractic, physical therapy, orthopedic, pain management, neurology, acupuncture, massage therapy, and digital range of motion care. In addition to medical support, our staff is also available to assist you if you’re looking to file a lawsuit. Our staff is experienced in securing the validity of any possible legal action.
Contact A Workers Comp Doctor in Bed-Stuy !
At New York Injury Associates, our goal is to help you get back on your feet after suffering from a car crash, workers’ comp accident, or personal injury. Our no fault doctors in Freeport are specially trained to provide all of our clients with the best possible care and information. If you are searching for a workers comp doctor in Bed-Stuy, contact New York Injury Associates today! To schedule an appointment, call or visit our website today!
Chances are, over the course of your life, you have had an injury or two. Back when you were much younger, you could not do much other than tell someone else to take you to the doctor and get it examined, dealing with nothing but pain. However, should any injury affect you now, especially in a workplace, you should see a workers comp doctor in Bed-Stuy as soon as possible. Worker’s compensation is essentially how one keeps receiving paychecks even when unable to work as a result of an injury. The qualifications for it vary with each workforce, regardless of the injury. However, what should be thought about and kept in mind is what disqualifies you from worker’s compensation. While it is easy to understand what gets you in, it is what keeps you from it that few people are aware of, which is a potentially life-saving set of information.
At New York Injury Associates, workers comp doctor in Bed-Stuy we know a thing or two about worker’s compensation; concerning how to get and lose it among our caliber of knowledge. To understand how to lose worker’s compensation, it is first important to understand what makes you qualified, as it may not be as straightforward as you think.
What Makes You Earn Worker’s Compensation
Two major factors come into play when determining if one is deserving of worker’s compensation:
It is important to understand what your exact employment status is, as some businesses may list you as an “independent contractor” and not an employee. Independent contractors are usually not qualified, as they tend to be freelance workers who have a nomad-like nature career. If you are incorrectly labeled by your employer, and you have an accident at the workplace, you have an opportunity to fight for an appeal. Also, while it is rare, some businesses may not actually provide worker’s compensation insurance, so it is important to fully understand your businesses insurance details that your employer does not tell you.
What Disqualifies You From Worker’s Compensation
Another factor that affects your eligibility for worker’s compensation is whether or not your employer believes your injury was work-related. To be eligible for worker’s compensation:
There is the obvious and unfortunately, common strategy amongst workers to try and hurt themselves on purpose, of which never works and should absolutely not be attempted by anyone, as that will most likely result in termination or, worse, a court case.
You not only need to affirm that your injury is so severe to the point that it is preventing you from working and performing basic tasks, but you also need to be much more aware of worker’s compensation insurance application deadlines. These deadlines vary in each state, so it is important to report the injury as fast as possible. Speaking with your medical provider and acquiring an official medical report will do just the trick as well. Insurance companies are going to either deny your claim, or lower your benefits as much as possible if you fail to make a good case or use poor wording to describe your injury. Therefore, it is usually best to leave it to the doctor to speak on your behalf, hopefully before any lawyer has to.
Speaking of insurance companies, some try to minimize your benefits by proving that, even after a medical report, you had a pre-existing condition. They may state that the pre existing condition is related to your injury, and blame that for the cause of the injury. You will then take part in what is known as an independent medical exam, to iron out the details in order to benefit you accordingly.
The Bottom Line
It is up to you to find out just what your employer offers when it comes to worker’s compensation (as well as other insurance plans your employer provides that you didn’t know about prior). It is also key to know what the deadlines are to apply for worker’s compensation, ensuring that the steps taken were done in a timely fashion. New York Injury Associates, workers comp doctor in Bed-Stuy knows that there are untimely complications that often affect most worker’s compensation claims. As a result, it is important to know just what those are, and to educate yourself before any unforeseen injury that may arise directly due to your assigned actions in the workplace.
Contact Us Today
New York Injury Associates, workers comp doctor in Bed-Stuy is always here to help with any qualms that have affected your lifestyle, and of which occurred due to accidents in the workplace. Contact us today, we have numerous locations in Long Island and Queens.