No Fault Doctor
We’ve all heard the phrase, “I’m human,” before. But what does that mean? Being human means that we make mistakes. We aren’t indestructible. We get hurt. And sometimes, when we get hurt, it may not be our fault. There are plenty of situations where accidents happen and you get harmed by them, yet you may not have caused or initiated the issue in the first place. When this happens and you sustain injury from the situation, you may fall under what is known as a no-fault injury. A no-fault injury, as the name suggests, is essentially an injury that occurs when the party is not responsible for what occurred. Typically, no-fault injuries are established after car accidents where no-fault insurance is in play. This means that if you did not cause the accident, or if you were a passenger in the accident, the other party’s insurance must cover your harm. Because not all medical professionals and doctors are required to accept no-fault insurance, you may be having a difficult time locating a doctor to help you. While looking for a no-fault doctor, it may help to learn about what no fault insurance entails and what no fault doctors can provide for you.
What is No Fault Insurance?
No fault insurance refers to covering medical expenses after a car accident for those that are not found liable, particularly passengers.
No fault insurance is required in 18 states. These are Colorado, Delaware, Florida, Hawaii, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, Pennsylvania, Texas, Utah, and Washington State. Colorado, Maryland, and Washington State can refuse coverage, but all other are mandated.
When you visit a doctor for no-fault insurance, instead of sending you a bill with the cost of treatment, they will send this bill to the insurance company covering you and complete any necessary paperwork they may have. Because this can take some time and be quite a task for the physician, not all doctors accept no-fault insurance or take patients that are covered under this qualification.
Because of this, it’s important to research which doctors will accept this insurance in order to ensure you don’t have to pay costs out of pocket.
Most Common Types of No Fault Injuries
Car accident injuries are common, and no two injuries may be exactly alike. In fact, over 3 million people in the United States alone are injured in a car accident each year. Of these injuries, some are more frequently seen than others. For example, injuries like whiplash, broken bones, headaches and dizziness from concussions, back pain, and other various muscle or tissue injuries.
Whiplash comes from a quick or sudden jerking motion of the neck which causes soft tissue damage in the neck.
Broken bones can occur from any form of impact, especially the wrists, ribs, or legs.
Concussions are seen when the head collides with another object, often a window or headrest, causing the brain to jolt. This leads to headaches, dizziness, or other more serious symptoms.
Regardless of what injury you sustained from a car accident, if no-fault insurance is in play, you will likely have your medical expenses covered by the supporting insurance company, through no fault doctor.
Find a No Fault Doctor
As mentioned above, because not all physicians or medical offices accept no-fault insurance, you may be having a difficult time locating a no fault doctor. Luckily for you, Medical Care of Western New York at Buffalo is here to help. We accept no-fault insurance!
This way, you’ll be able to receive the medical care you need without paying for it out of pocket. If you’re interested in learning more about what we can offer you, call or visit us today!