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What is No Fault Insurance?

no-fault doctors near me

No Fault insurance coverage is a part of many motor vehicle insurance policies. This part of the policy pays the hospital, medical and other expenses for patients involved in car accidents. Most no fault insurance policies cover up to $50,000 in these types of expenses. Some policies, with excess no fault insurance coverage called Optional Basic Economic Loss or OBEL coverage, have even greater limits.

What is OBEL Coverage?

OBEL coverage (Optional Basic Economic Loss) provides a person with an additional $25,000 of coverage beyond the no-fault PIP $50,000 limit. OBEL coverage & APIP policy is very similar to each other with one major difference.

In the case of optional basic economic loss, OBEL coverage gives you the ability to decide the expenses and what party gets the payout. In some cases, regular no-fault insurance won’t provide coverage if you require psychiatric, physical, or occupational treatments following your accident. While you can use your OBEL coverage for basic economic loss in the form of lost earnings and medical bills, you could also use it to cover the expenses of in-home help or physical therapy.

No Fault Doctors

Doctors who accept no fault insurance are generally called No Fault Doctors. Finding the best no fault doctor is important after a car accident. Many physicians & multi-specialty clinics simply do not accept this type of insurance coverage. We have assembled a list of experienced no-fault insurance physicians in New York state in an easily searchable format. Just click on the area you want to search for No Fault Doctors Near You:

Which Insurance Company is the No Fault Insurance Company?

There is no one no fault insurance company. Instead, no-fault insurance is one of the many protections that can be part of an automobile insurance policy. So, if you own a car, the insurance company that insures your vehicle is your no-fault insurance company.

No-fault insurance is mandatory in many states, including, New York, Massachusetts, and Florida. Other states like New Jersey and Pennsylvania have optional no fault. Still others, like Connecticut and California, do not have this type of coverage at all. The list of states with no-fault insurance changes. It is important to check with your insurance company to determine if these benefits are available in your state.

No Fault Covers Medical and Hospital Expenses

no-fault doctors

No fault insurance covers many different expenses. For example, medical expenses, including visits to the doctor, physical therapy, and surgery are covered. Additionally, x-rays, MRIs, CT Scans, and other diagnostic testing are also covered. In fact, this type of insurance even covers the ambulance ride to the hospital. The only requirement for coverage is that the need for the care is related to an auto accident. After a car crash, you need to contact a doctor who accepts no fault insurance near you. Accidentdoctors911.com has a list of top rated no fault doctors who have years of experience treating accident injuries of different kinds.

Lost Wages Are Covered By No Fault Insurance?

Yes, If you had an injury after a car wreck & you have a valid no fault insurance plan, your lost wages will be covered. No Fault insurance will pay lost earnings when a patient loses time from work as a result of a car accident. Lost earnings claims, like all claims made with an insurance company, must be supported with documentary proof. This can include a letter from your employer, tax returns, or other documentary evidence that supports your claim.

Required Documentation & Proof

The insurance company will also require that there be medical proof that you are disabled from work. A letter from your treating doctor will usually satisfy this requirement.

At this point, Our accident doctors can be very helpful in providing you with all the required medical proof & documentation to process your no fault insurance claim.

Terms & Conditions

It’s important to note that the lost earnings claims also require a patient to actually lose the time from their job, before being reimbursed. So, an insurance company will not pay you for your lost time, until after you have lost the time.

Limits on No Fault Claim

No fault has limits, however, on the amount that it will reimburse for lost earnings. Typically, it will cover 80% of your lost earnings, up to $2,000 a month. The maximum amount of a lost earnings payout can be different in different states. Also, some policies have excess no-fault benefits, which can increase the amount of lost earnings benefits. It is always best to check with your no fault insurance company to determine the policy limits that apply to you.

Other Covered Expenses by a No Fault Insurance

You are also entitled to reimbursement of transportation expenses to and from your doctor for accident related medical care. You can also seek reimbursement for other expenses including medication expenses and medical equipment. These types of expenses are reimbursable provided that these expenses are related to the car accident.

No Need to Pay a Deductible or Co-Pay With No-Fault Coverage

While some no fault insurance policies do have a small deductible, most do not. In fact, no-fault patients are usually not required to pay out of pocket for any medical expenses, your accident doctor can directly bill your expenses to the insurance company. Also, a patient using no fault benefits is not required to pay a co-pay or additional fee for accident related care.

Where To File a No Fault Insurance Claim

To make a claim for no-fault coverage, an application for benefits must be filed with the correct insurance company. The application is relatively straightforward and generally easy to complete. Once completed and signed, the application must be forwarded to the correct insurance company with the documentation & proof & proof received from your accident doctor In New York, for example:

  • Drivers – must file with the insurance company of the car being driven;
  • Passengers – file with the insurance company of the car that they were in at the time of the collision;
  • Pedestrians – file with the car that struck them;
  • Passengers on a City bus – first file with their own car insurance – even though it had nothing to do with the collision. If a bus passenger does not have car insurance, then the claim can be made with the City bus.

When To File a No Fault Insurance Claim

The time within which to file a no fault claim can vary from state to state. In New York and New Jersey, you must file a fault insurance claim within 30 days. An insurance company can deny a patient’s no fault claim if the claim is not filed within 30 days. If the claim is denied, all benefits are lost. To avoid this kind of disappointing situation we highly recommend getting your injury treated by any of our injury specialists listed here On this page you can see the best no-fault doctors near you.

Does Every Doctor Accept No Fault?

NO, Every doctor doesn’t accept no fault Insurance coverage. In fact, most do not. Accidentdoctors911.com tries to provide the best no-fault clinics & doctors who accept these benefits. To find a no-fault doctor near me, just search and select.


What is No Fault Insurance?

no-fault doctors near me

No Fault insurance coverage is a part of many motor vehicle insurance policies. This part of the policy pays the hospital, medical and other expenses for patients involved in car accidents. Most no fault insurance policies cover up to $50,000 in these types of expenses. Some policies, with excess no fault insurance coverage called Optional Basic Economic Loss or OBEL coverage, have even greater limits.

What is OBEL Coverage?

OBEL coverage (Optional Basic Economic Loss) provides a person with an additional $25,000 of coverage beyond the no-fault PIP $50,000 limit. OBEL coverage & APIP policy is very similar to each other with one major difference.

In the case of optional basic economic loss, OBEL coverage gives you the ability to decide the expenses and what party gets the payout. In some cases, regular no-fault insurance won’t provide coverage if you require psychiatric, physical, or occupational treatments following your accident. While you can use your OBEL coverage for basic economic loss in the form of lost earnings and medical bills, you could also use it to cover the expenses of in-home help or physical therapy.

No Fault Doctors

Doctors who accept no fault insurance are generally called No Fault Doctors. Finding the best no fault doctor is important after a car accident. Many physicians & multi-specialty clinics simply do not accept this type of insurance coverage. We have assembled a list of experienced no-fault insurance physicians in New York state in an easily searchable format. Just click on the area you want to search for No Fault Doctors Near You:

Which Insurance Company is the No Fault Insurance Company?

There is no one no fault insurance company. Instead, no-fault insurance is one of the many protections that can be part of an automobile insurance policy. So, if you own a car, the insurance company that insures your vehicle is your no-fault insurance company.

No-fault insurance is mandatory in many states, including, New York, Massachusetts, and Florida. Other states like New Jersey and Pennsylvania have optional no fault. Still others, like Connecticut and California, do not have this type of coverage at all. The list of states with no-fault insurance changes. It is important to check with your insurance company to determine if these benefits are available in your state.

No Fault Covers Medical and Hospital Expenses

no-fault doctors

No fault insurance covers many different expenses. For example, medical expenses, including visits to the doctor, physical therapy, and surgery are covered. Additionally, x-rays, MRIs, CT Scans, and other diagnostic testing are also covered. In fact, this type of insurance even covers the ambulance ride to the hospital. The only requirement for coverage is that the need for the care is related to an auto accident. After a car crash, you need to contact a doctor who accepts no fault insurance near you. Accidentdoctors911.com has a list of top rated no fault doctors who have years of experience treating accident injuries of different kinds.

Lost Wages Are Covered By No Fault Insurance?

Yes, If you had an injury after a car wreck & you have a valid no fault insurance plan, your lost wages will be covered. No Fault insurance will pay lost earnings when a patient loses time from work as a result of a car accident. Lost earnings claims, like all claims made with an insurance company, must be supported with documentary proof. This can include a letter from your employer, tax returns, or other documentary evidence that supports your claim.

Required Documentation & Proof

The insurance company will also require that there be medical proof that you are disabled from work. A letter from your treating doctor will usually satisfy this requirement.

At this point, Our accident doctors can be very helpful in providing you with all the required medical proof & documentation to process your no fault insurance claim.

Terms & Conditions

It’s important to note that the lost earnings claims also require a patient to actually lose the time from their job, before being reimbursed. So, an insurance company will not pay you for your lost time, until after you have lost the time.

Limits on No Fault Claim

No fault has limits, however, on the amount that it will reimburse for lost earnings. Typically, it will cover 80% of your lost earnings, up to $2,000 a month. The maximum amount of a lost earnings payout can be different in different states. Also, some policies have excess no-fault benefits, which can increase the amount of lost earnings benefits. It is always best to check with your no fault insurance company to determine the policy limits that apply to you.

Other Covered Expenses by a No Fault Insurance

You are also entitled to reimbursement of transportation expenses to and from your doctor for accident related medical care. You can also seek reimbursement for other expenses including medication expenses and medical equipment. These types of expenses are reimbursable provided that these expenses are related to the car accident.

No Need to Pay a Deductible or Co-Pay With No-Fault Coverage

While some no fault insurance policies do have a small deductible, most do not. In fact, no-fault patients are usually not required to pay out of pocket for any medical expenses, your accident doctor can directly bill your expenses to the insurance company. Also, a patient using no fault benefits is not required to pay a co-pay or additional fee for accident related care.

Where To File a No Fault Insurance Claim

To make a claim for no-fault coverage, an application for benefits must be filed with the correct insurance company. The application is relatively straightforward and generally easy to complete. Once completed and signed, the application must be forwarded to the correct insurance company with the documentation & proof & proof received from your accident doctor In New York, for example:

  • Drivers – must file with the insurance company of the car being driven;
  • Passengers – file with the insurance company of the car that they were in at the time of the collision;
  • Pedestrians – file with the car that struck them;
  • Passengers on a City bus – first file with their own car insurance – even though it had nothing to do with the collision. If a bus passenger does not have car insurance, then the claim can be made with the City bus.

When To File a No Fault Insurance Claim

The time within which to file a no fault claim can vary from state to state. In New York and New Jersey, you must file a fault insurance claim within 30 days. An insurance company can deny a patient’s no fault claim if the claim is not filed within 30 days. If the claim is denied, all benefits are lost. To avoid this kind of disappointing situation we highly recommend getting your injury treated by any of our injury specialists listed here On this page you can see the best no-fault doctors near you.

Does Every Doctor Accept No Fault?

NO, Every doctor doesn’t accept no fault Insurance coverage. In fact, most do not. Accidentdoctors911.com tries to provide the best no-fault clinics & doctors who accept these benefits. To find a no-fault doctor near me, just search and select.


What is No Fault Insurance?

no-fault doctors near me

No Fault insurance coverage is a part of many motor vehicle insurance policies. This part of the policy pays the hospital, medical and other expenses for patients involved in car accidents. Most no fault insurance policies cover up to $50,000 in these types of expenses. Some policies, with excess no fault insurance coverage called Optional Basic Economic Loss or OBEL coverage, have even greater limits.

What is OBEL Coverage?

OBEL coverage (Optional Basic Economic Loss) provides a person with an additional $25,000 of coverage beyond the no-fault PIP $50,000 limit. OBEL coverage & APIP policy is very similar to each other with one major difference.

In the case of optional basic economic loss, OBEL coverage gives you the ability to decide the expenses and what party gets the payout. In some cases, regular no-fault insurance won’t provide coverage if you require psychiatric, physical, or occupational treatments following your accident. While you can use your OBEL coverage for basic economic loss in the form of lost earnings and medical bills, you could also use it to cover the expenses of in-home help or physical therapy.

No Fault Doctors

Doctors who accept no fault insurance are generally called No Fault Doctors. Finding the best no fault doctor is important after a car accident. Many physicians & multi-specialty clinics simply do not accept this type of insurance coverage. We have assembled a list of experienced no-fault insurance physicians in New York state in an easily searchable format. Just click on the area you want to search for No Fault Doctors Near You:

Which Insurance Company is the No Fault Insurance Company?

There is no one no fault insurance company. Instead, no-fault insurance is one of the many protections that can be part of an automobile insurance policy. So, if you own a car, the insurance company that insures your vehicle is your no-fault insurance company.

No-fault insurance is mandatory in many states, including, New York, Massachusetts, and Florida. Other states like New Jersey and Pennsylvania have optional no fault. Still others, like Connecticut and California, do not have this type of coverage at all. The list of states with no-fault insurance changes. It is important to check with your insurance company to determine if these benefits are available in your state.

No Fault Covers Medical and Hospital Expenses

no-fault doctors

No fault insurance covers many different expenses. For example, medical expenses, including visits to the doctor, physical therapy, and surgery are covered. Additionally, x-rays, MRIs, CT Scans, and other diagnostic testing are also covered. In fact, this type of insurance even covers the ambulance ride to the hospital. The only requirement for coverage is that the need for the care is related to an auto accident. After a car crash, you need to contact a doctor who accepts no fault insurance near you. Accidentdoctors911.com has a list of top rated no fault doctors who have years of experience treating accident injuries of different kinds.

Lost Wages Are Covered By No Fault Insurance?

Yes, If you had an injury after a car wreck & you have a valid no fault insurance plan, your lost wages will be covered. No Fault insurance will pay lost earnings when a patient loses time from work as a result of a car accident. Lost earnings claims, like all claims made with an insurance company, must be supported with documentary proof. This can include a letter from your employer, tax returns, or other documentary evidence that supports your claim.

Required Documentation & Proof

The insurance company will also require that there be medical proof that you are disabled from work. A letter from your treating doctor will usually satisfy this requirement.

At this point, Our accident doctors can be very helpful in providing you with all the required medical proof & documentation to process your no fault insurance claim.

Terms & Conditions

It’s important to note that the lost earnings claims also require a patient to actually lose the time from their job, before being reimbursed. So, an insurance company will not pay you for your lost time, until after you have lost the time.

Limits on No Fault Claim

No fault has limits, however, on the amount that it will reimburse for lost earnings. Typically, it will cover 80% of your lost earnings, up to $2,000 a month. The maximum amount of a lost earnings payout can be different in different states. Also, some policies have excess no-fault benefits, which can increase the amount of lost earnings benefits. It is always best to check with your no fault insurance company to determine the policy limits that apply to you.

Other Covered Expenses by a No Fault Insurance

You are also entitled to reimbursement of transportation expenses to and from your doctor for accident related medical care. You can also seek reimbursement for other expenses including medication expenses and medical equipment. These types of expenses are reimbursable provided that these expenses are related to the car accident.

No Need to Pay a Deductible or Co-Pay With No-Fault Coverage

While some no fault insurance policies do have a small deductible, most do not. In fact, no-fault patients are usually not required to pay out of pocket for any medical expenses, your accident doctor can directly bill your expenses to the insurance company. Also, a patient using no fault benefits is not required to pay a co-pay or additional fee for accident related care.

Where To File a No Fault Insurance Claim

To make a claim for no-fault coverage, an application for benefits must be filed with the correct insurance company. The application is relatively straightforward and generally easy to complete. Once completed and signed, the application must be forwarded to the correct insurance company with the documentation & proof & proof received from your accident doctor In New York, for example:

  • Drivers – must file with the insurance company of the car being driven;
  • Passengers – file with the insurance company of the car that they were in at the time of the collision;
  • Pedestrians – file with the car that struck them;
  • Passengers on a City bus – first file with their own car insurance – even though it had nothing to do with the collision. If a bus passenger does not have car insurance, then the claim can be made with the City bus.

When To File a No Fault Insurance Claim

The time within which to file a no fault claim can vary from state to state. In New York and New Jersey, you must file a fault insurance claim within 30 days. An insurance company can deny a patient’s no fault claim if the claim is not filed within 30 days. If the claim is denied, all benefits are lost. To avoid this kind of disappointing situation we highly recommend getting your injury treated by any of our injury specialists listed here On this page you can see the best no-fault doctors near you.

Does Every Doctor Accept No Fault?

NO, Every doctor doesn’t accept no fault Insurance coverage. In fact, most do not. Accidentdoctors911.com tries to provide the best no-fault clinics & doctors who accept these benefits. To find a no-fault doctor near me, just search and select.


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