Whether your accident injuries are minor or life-altering, you have legal options—and we’re here to explain them clearly.
Car accidents in New York City can happen in the blink of an eye—and when they do, victims are often left with one burning question: “Who’s going to pay for my medical bills?” The answer isn’t always straightforward.
At Apicella & Schlesinger Attorneys at Law, we help Bronx residents understand their rights and get the compensation they deserve after a serious accident.
New York Is a “No-Fault” State—Here’s What That Means
New York follows a no-fault insurance system. That means your own car insurance (or the insurance of the car you were riding in) pays for your medical treatment, no matter who caused the accident.
This coverage is called Personal Injury Protection (PIP) and typically pays for:
- Hospital and doctor visits
- Diagnostic tests (like MRIs or X-rays)
- Rehabilitation and physical therapy
- Up to 80% of lost wages (up to a capped limit)
However, PIP only covers up to $50,000 in most cases—and it doesn’t cover pain and suffering or damage to your property.
What If Your Medical Bills Exceed PIP Coverage?
If your injuries are severe enough that your medical expenses exceed the $50,000 PIP cap, you may be eligible to step outside the no-fault system and file a personal injury lawsuit against the at-fault driver.
Qualifying serious injuries under NY law include:
- Broken bones
- Significant disfigurement
- Permanent limitations of a body part or organ
- Substantial disability for 90+ days
In this case, you can seek full compensation, including:
- Remaining medical expenses
- Future treatment costs
- Pain and suffering
- Lost future income
What If You Were a Passenger, Pedestrian, or Cyclist?
You’re still covered under NY’s no-fault system even if you weren’t driving. Here’s how it works:
- Passengers: File a claim under the driver’s insurance.
- Pedestrians or cyclists: File a claim against the vehicle’s insurance that struck you.
If the at-fault driver fled the scene or was uninsured, the Motor Vehicle Accident Indemnification Corporation (MVAIC) may help cover your medical costs.
Don’t Let Medical Bills Add to Your Stress—Let Us Fight for You
In the wake of a car accident, the last thing you should worry about is how to pay for medical care. At Apicella & Schlesinger, we understand the financial and emotional toll a crash can take—and we’re here to help you take control of the situation.
As a trusted Bronx law firm with over 45 years of experience, we don’t hand your case off to junior staff or treat you like a file number. You’ll work directly with seasoned attorneys who know New York’s no-fault system inside and out—and who will fight aggressively for every dollar you deserve.
Free Consultation with a Bronx Car Accident Lawyer
Contact Apicella & Schlesinger Attorneys at Law to request a free consultation.
Call (212) 568-4245