Levine & Slavit | March 14, 2026
After a car accident, many people assume the at-fault driver’s insurance company will immediately cover their medical bills. That assumption often leads to confusion, delays, and even unpaid bills. New York law works differently, and misunderstanding it can cost you.
Attorney guidance on this issue often surprises accident victims because, in most cases, your own insurance company pays your medical expenses after a crash. New York follows a no-fault insurance system, which means medical bills are paid regardless of who caused the accident.
Under New York’s no-fault law, your auto insurance covers hospital bills, medical treatment, and a portion of lost wages if you are injured in a car accident. Fault does not matter. Even if you caused the crash, your no-fault coverage is still responsible for paying these basic expenses.
If you are a pedestrian or bicyclist hit by a vehicle, the rule is slightly different but still no-fault. In those situations, the insurance policy covering the vehicle that struck you typically pays your medical bills. Again, fault is not the deciding factor.
One of the most important mistakes injured people make is sending accident-related medical bills to their health insurance instead of no-fault insurance. Medical providers must bill no-fault first. When that does not happen, people can end up being wrongly pursued for payment, even though coverage was available. These errors are avoidable, but only if the claims are handled properly from the beginning.
Timing also matters. You generally have 30 days from the date of the accident to file an application for no-fault benefits. This deadline is strict. Missing it can result in denied benefits and unpaid medical bills. Once no-fault pays your medical expenses, those amounts usually do not need to be repaid if you later recover compensation in a personal injury claim.
There are also special situations that cause confusion. If you are injured in a motor vehicle accident while working, workers’ compensation—not no-fault—typically covers your medical care and lost wages. Even then, it is often wise to submit a no-fault application to protect your rights in case coverage issues arise.
How an Experienced Attorney Helps Protect You
An experienced car accident attorney helps ensure the correct insurance company is billed, deadlines are met, and paperwork is completed accurately. Attorneys handle communication with insurance companies, prevent billing mistakes, and make sure you receive all benefits available under the law. When injuries are serious, legal guidance also helps determine whether you can pursue additional compensation beyond no-fault coverage.
Take Action Today: Protect Your Rights After a New York Car Accident
If you were injured in a car accident, do not assume the insurance process will sort itself out. Speaking with an attorney early can help protect you from unpaid bills, missed deadlines, and unnecessary stress while you focus on healing.
FAQs
Who pays medical bills after a car accident in New York?
In most cases, your own no-fault insurance pays medical bills, regardless of who caused the accident. Pedestrians and bicyclists are usually covered by the vehicle’s insurance.
Does no-fault insurance cover lost wages?
Yes. No-fault insurance typically pays a portion of lost wages, up to policy limits, if you cannot work due to your injuries.
Should I use my health insurance for accident injuries?
Generally, no. Accident-related medical bills should go through no-fault insurance first to avoid coverage problems.
What if I miss the 30-day no-fault deadline?
Missing the deadline can lead to denied benefits. An attorney can help ensure forms are filed correctly and on time.