Almost three million Americans suffer injuries in auto accidents every year. Vehicle collisions cause U.S. motorists more than $240 billion annually, and traffic collisions are one of the leading causes of death worldwide. Car accidents are also a leading cause of death in New York.
New York is a no-fault insurance state, which means that each driver must file a claim with their own provider regardless of who is at fault. If you suffered a car accident injury in the Bronx, you need to visit auto accident doctors who are familiar with no-fault cases. Here is everything you need to know about no fault doctors in New York.
The number of car crash injuries and fatalities is lower in the Bronx than in many other parts of the U.S. due to the area’s high rate of public transit use. However, the Bronx is home to almost 1.5 million people, and there are many cars on the street each day.
Thus, certain roadways in this area do see many traffic accidents. East Fordham Road, Southern Boulevard, University Avenue, and West Fordham Road are among the streets that see the most auto accidents each year.
There is a lot of confusion around no-fault car insurance in New York and auto accident injuries. No-fault insurance, sometimes referred to as personal injury protection (PIP) insurance can help cover the cost of your medical expenses and loss of income, regardless of who caused the accident.
No-fault insurance differs from traditional auto insurance in that all parties submit a claim to their own providers. Most standard policies such as comprehensive, liability, and collision insurance reimburse for damages depending on who caused the accident.
On the other hand, no-fault insurance pays for the expenses of the injured person as long as they are within the policy terms laid out by their own insurance company. You may receive coverage for income loss, medical bills, and property damage, depending on your policy.
In at-fault states, the driver who caused the motor vehicle accident is responsible for covering injuries and losses to the other party. The majority of U.S. states are at-fault states. New York is one of only a handful of no-fault states. In these instances, the car insurance claims process begins and ends with your provider.
New York is a no-fault car insurance state for specific reasons.
These reasons include:
While no-fault benefits should lower premiums and help avoid a personal injury lawsuit, there is debate on whether that is actually happening. It is up to each consumer to review their auto insurance coverage to ensure they get the best coverage possible.
A no-fault doctor is a medical professional who can treat an auto accident injury and directly bill the cost of your medical treatment to your car insurance company. Not all general practitioners have the expertise to treat car accident injuries or the staff to participate in third-party billing.
Auto accident doctors regularly treat complex vehicle accident injuries and know how to deal with insurance companies so you can spend time recovering.
Many general practitioners or family doctors do not accept auto accident patients. They do not have the background or the training needed to work with insurance companies directly. Many doctors are also reluctant to deal with car accident injuries because of the financial cost.
Most no-fault patients do not have to pay out-of-pocket for medical coverage. Some doctors do not want to wait until they receive money from the insurance company and prefer to receive money from the patient.
Further, auto accident doctors can help streamline your treatment process. They know how to treat car accident injuries and can refer you to other specialists if needed. If you need to see a chiropractor or a physical therapist, a no-fault doctor will handle the referral and insurance billing process for you.
An auto accident injury is different from many other types of injuries. Auto accident doctors primarily treat injuries that arise from high-impact crashes. These injuries most commonly impact the soft tissue, and the treatment process can be complex.
Here are the most common injuries no-fault doctors treat:
Whiplash is a neck injury that occurs when the head suddenly moves forward and backward due to a rear-end crash. Whiplash is the most common auto accident injury.
The spine cannot deal with high-impact collisions, and back injuries and pain are common results of auto accidents. Back injuries vary widely and range from moderate acute pain to chronic debilitating pain.
Many people experience headaches after a car accident due to whiplash. Trauma to the neck and upper back is also often a cause of headaches.
Broken ribs, ankles, wrists, and legs are common in auto accidents. Severity ranges from simple sprains and breaks to more serious injuries that may require surgery.
Auto accidents are one of the leading causes of traumatic brain injuries in the U.S. These injuries occur when the brain area suffers damage from a blow to the upper body. If you have suffered a traumatic brain injury, make sure you work with a doctor experienced in this type of auto accident injury.
If your vehicle catches fire during a crash or your skin comes into contact with certain harsh chemicals, you may suffer burns. The most severe burns require extensive surgery and rehabilitation to treat.
This is not a comprehensive list of injuries treated by auto accident doctors. Depending on your injuries, consult your doctors to see if they can provide optimal treatments. You may need to visit a few specialists to get the treatment you need.
Do you have a serious injury? Are you looking for qualified auto accident medical providers in New York? Look no further than No-Fault-Doctors.com. We provide our clients with a free directory of New York doctors experienced in treating car accident injuries. All of the doctors listed in our directory accept no-fault insurance. Contact us right now to find a doctor in your local area.