New York No-Fault Law

New York No-Fault Law

N.Y. NO FAULT LAW HINDERS MEDICAL PROVIDERS FROM GETTING REQUIRED COMPENSATION

New York driver insurance policies have a stipulation that automatically provides compensation for injuries and damages sustained in a vehicle accident without allocating blame. It’s called no-fault law insurance, set up to quickly address accidents so insured drivers get the necessary compensation for injuries and damages.

No-fault insurance applies to the following people:

• Insured drivers
• Household members of the insured driver
• Owners/occupants/operators of insured driver’s vehicle
• Hurt pedestrians

To get no-fault insurance benefits (also called first-party benefits), they must be covered by their own policy, a family policy, or the vehicle’s policy. The no-fault law also covers people in your vehicle or another vehicle and are in the vehicle during a crash. A person who buys vehicle insurance in New York will already have this stipulation in their policies.

Reach out to Rozhik Law Firm PLLC to learn how your insurance policy affects you.

YOU WANT THE MOST EXPERIENCED AND BEST PERSONAL INJURY LAWYER

We know this is a confusing law. And you may not be sure if your situation applies to the benefits since certain exclusions are applied to no-fault insurance. This is why you want to hire a professional personal injury attorney to see if you are eligible for the compensation entitlement.

We have worked for many personal injury clients to attain multi-million dollar settlements and verdicts, attaining over $1 billion for our clients. The Rozhik Law Firm PLLC can help you decipher the no-fault law or file your claim for you.

WE CAN HELP DETERMINE YOUR ELIGIBILITY

If you have a New York driver insurance policy, you are eligible for no-fault benefits in a vehicle accident. Whether you are the driver, passenger, or pedestrian. There are certain instances where a person may be ineligible for these benefits – driving drunk, under the influence of drugs, etc.

No-Fault Insurance Coverage Exclusions:

• Purposeful acts resulting in injuries
• DWI/DUI
• Felonious acts or trying to evade arrest
• Speed or race testing
• Stolen vehicles
• Staged accidents
• Material misrepresentation at the inception of the policy
• Not providing the requested verification.

The benefits only provide a basic economic loss compensation of no more than $50,000. The compensation applies to medical costs, lost wages, or any financial loss due to the accident. If $50,000 does not cover your injuries or damages, you must reach out to a personal injury lawyer to file a claim.

WHAT DO YOU DO IN CASES OF UNINSURED DRIVERS?

You could get no-fault benefits if you are covered by insurance or are listed on another person’s policy (household member). This applies even when a driver has no insurance. For cases where pedestrians are not ensured, you could still be awarded no-fault benefits when the driver is insured.

Firstly, be sure to reach out to our law office to learn your eligibility and how the law affects you where the driver or a pedestrian is uninsured. File A Personal Injury Claim For Your Serious Injuries.

In cases where your injuries or damages exceed the no-fault insurance benefits, you need to file a claim against the driver. The claim can be made against the driver’s insurance company or the driver themselves. Make sure to hire a reputable personal injury attorney who will protect your rights during the entire process.

MEDICAL PROVIDER PROTECTION

Hospitals, doctors, dentists, clinics, and other medical professionals provide their services and expect to be paid for the work. However, compensation under New York’s No-Fault Law isn’t always enough, and the providers are not paid for the work. This results in a loss of income for these providers.

There are several reasons these individuals don’t get paid:

• Claim Delays – Insurance companies make requests for document verification.
• Causality Denials – Companies feel the accident was staged.
• Policy Violations – This includes material misrepresentation; owed individuals often do not have time to investigate the issues that led to unpaid debts
• IME No Show – Strict regulations on insurance carrier guidelines compliance like scheduling the EUO within 30 days of the first receipt of the bill
• Peer Reviews – Denial based on non-medically necessary services
• Denial based on Fee Schedule- where the insurance company claims the services billed were not by the applicable worker’s compensation fee schedule

It’s important to note that you, not the IME, should be the one who decides what is and is not medically necessary for your treatment. With a reputable, experienced personal attorney at your side, you can rest assured that we will get you the compensation you deserve to pay your medical bills.

There are instances where the IME decides to cut off compensation even for people who need continued medical care. In these kinds of cases, you should continue sending the insurance companies timely bills. And once the denials are made, we will make sure you are paid. There is no need to put liens on your clients’ cases or hold them responsible for something beyond their control.

Why Rozhik Law Firm PLLC?

We have a plethora of knowledge and familiarity with the No-Fault Law, which is why we do our very best to get providers the money they need to resolve unpaid claims. We know that every person is different, so our lawyers and support staff work together to ensure our clients get the results they want and need.

The majority of insurance companies routinely dismiss No-Fault claims, and they don’t expect a medical provider to seek compensation for their bills. Rozhik Law Firm PLLC’s no-fault lawyers have the experience providers need to ensure compensation. We immediately start the collection efforts either through litigation or arbitration, or sometimes both. We have a clear understanding of the No-Fault regulations and relevant court decisions.

Our attorneys will analyze every file and piece of document turned in with the No-Fault filing. We have implemented systems and processes to ensure all the crucial aspects of filing. And collecting claims are done quickly and efficiently while staying compliant with the No-Fault Law.

Our lawyers at Rozhik Law Firm PLLC have considerable experience, courtroom skills, and legal awareness to ensure your case is handled in a prepared and effective manner. We invest our time and resources to ensure insurance companies quickly settle cases that benefit our clients. Our dedication and confidence in our abilities to successfully litigate these cases puts our clients at ease that their debt will be paid.

Best of all, medical providers don’t pay a thing.

We have worked with doctors and medical providers across various specialties such as:

• Acupuncturists
• Chiropractors
• Dentists
• Neurologists
• Orthopedists
• Physical therapists
• Podiatrists
• Psychiatrists

It doesn’t matter a clients’ monetary value; the goal is still the same. Please provide them with the highest return on their denied claims to boost their revenue. Rozhik Law Firm PLLC has a No-Fault department that takes a hands-on approach with the clients, keeping them updated on the claim statuses. We also employ dual-degree attorneys – RNs, chiropractors, doctors, or podiatrists – who work both sides of the aisle for the No-Fault department. We have attained millions of dollars for our clients in the following professions:

• Acupuncture – Initial reports, treatments, and follow-up exams
• Chiropractor – Initial reports, diagnostic testing, treatments, and follow-up exams
• Diagnostic Test – Initial reports and follow-up reports before the Diagnostic Test date. P/T, MRI results, chiropractor, and follow-up reports that lay out possible issues and help doctors to develop a successful course of treatment
• MRI Facility – Initial and follow-up report before the MRI service date and follow-up report that documents the findings to determine a successful course of treatment
• Orthopedic Surgeon – Conservative treatment notes before the test, including initial surgeon consults surgical reports and post-surgical notes.
• Pain Management – Initial, follow-up reports, test results, Acupuncture and Chiropractor reports, P/T reports that demonstrate the injury’s seriousness and if pain management was necessary for recovery.
• Physical Therapist – Initial report, treatment reports, diagnostic testing (if necessary), and follow-up exams
• Physician – Initial report, treatment reports, and follow-up exams
• Surgery Hospitals and Centers – Initial report, follow-up reports, diagnostic testing, and surgery report

COLLECTION FOR DURABLE MEDICAL EQUIPMENT PROVIDERS

It’s not uncommon for a doctor or other healthcare provider to suggest a patient use durable medical equipment to help in their recovery process. This DME could be for pre or post-surgery, and in some cases, both. We have represented OP companies that have bills No-Fault insurers have denied. This equipment includes

• Ankle, Foot Orthotics (AFO)
• CPM and Cryocuff
• Custom Elbow Bracing
• Custom Knee Bracing
• Foot Orthotics
• Custom Sports Bracing
• Hip, Knee, Ankle, Foot Orthotics (HKAFO)
• Knee, Ankle, Foot Orthotics (KAFO)
• Lower Extremity Bracing
• LSO/TLSO
• Upper Extremity Bracing

When you’re an orthotic and prosthetic equipment provider, you want to ensure your patients are taking well-care of. However, this can be difficult when no-fault insurance companies are involved and failing to compensate you for your services. They work hard to try denying permissible claims. However, these providers often don’t know they can receive payments for provided services under the NYS No-Fault Insurance Law.

Rozhik Law Firm PLLC has experienced attorneys and paralegals to handle the insurance companies so you can focus on your business. With our services, you save yourself time, money, and aggravation. We are a no-risk law firm. Our fees are statute-mandated and will collect from the insurance companies. When we don’t win, you won’t have to pay!

WHAT PROCESS DO WE TAKE DURING A NO-FAULT CLAIM?

We let you know your legal rights and what remedies you have at your disposal under the New York State Insurance Law. We make sure to make the non-fault collection process go smoothly as much as possible. Cases usually close within 210 days. There are some cases where clients begin seeing their no-fault payments within a month from the initial filing date. To start the process, we ask for the following documents:

• No-Fault Checklist
• Assignment of benefits
• Outstanding bills, proof of mailing, copy of billing ledger
• Denial correspondents
• All medical reports, notes, records, exams, etc. on the patient related to the accident
• Medical treatment necessity letter
• Rebuttal letter from peer review

3 Steps To Hiring A New York No-Fault Lawyer

• Risk-Free Consultation – When you call us, we want to make it convenient for you. Therefore, we will come to your office for no fee. Before we begin working for you, we will talk to you about our arbitration model and litigation model, talk about potential settlement strategies that could apply to your case, and choose a method that’s best for you.
• Digital File Upload – We have developed a completely digital HIPPA compliant platform that can streamline the entire process, saving you both money and time. Rozhik Law Firm PLLC has done something that no other law firm has done to create this No-Fault Portal. We use the most innovative technologies to help our clients with their collections. We also work to stay HIPPA compliant and ensure digital security.
• Fight Denials To Receive Your Payments – Rozhik PLLC has been able to collect more than $50 million in No-Fault cases for numerous healthcare providers. Have a 98% client retention rate, processing 5,000+ claims a year. We are the no-fault firm that will help you get the money you are owed. We spent years coming up with a sound strategy to ensure we recovery monies owed to our clients, with a goal of three to 12 months to ascertain the revenue. Within 45 days of the initial request submitted, About 40% of these claims settled.

WE WORK FOR NEW YORK HEALTHCARE PROVIDERS

Your job as a healthcare provider is to ensure your patients receive the best care and service. No-fault insurance companies can make this difficult. Although the New York State Insurance Law intended to compensate providers quickly, insurance companies have been using loopholes to deny permissible claims.

The unfortunate truth is that healthcare providers don’t know that medically-necessary services fall under the New York State No-Fault Insurance Laws and are eligible for payments.

When you’ve been denied payments for medically-necessary services, we are here to assist you in receiving compensation. New York State Department of Financial Services does not allow healthcare providers to contact accident victims directly. Instead, they must use litigation or arbitration services against the No-Fault Insurance Company and get a judge’s or arbitrator’s decision to order the carrier to pay for the services rendered.

This is something our law office has been able to do every year for thousands of claims successfully.

When you need help with a no-fault insurance company, our attorneys at Rozhik Law Firm PLLC will take care of the litigation for you. Once you’ve been denied payment for the services rendered to accident victim patients, reach out to us to file a claim. We will get started on the claim right away. If successful, the legal fee will be paid for by the insurance carrier.

If we fail to win your case, you pay nothing for the services we rendered towards your case.