What You Need to Know About Brain Injuries from Car Accidents and How Your Car Accident Lawyer Can Help You With No-Fault Insurance To Pay Your Medical Bills
If you or a loved one suffered a traumatic brain injury in a New York auto accident, your no-fault coverage will pay for your medical care. Traumatic brain injuries may require surgery, cognitive therapy, physical therapy, occupational therapy, which is all covered under New York’s No-Fault law.
Your car accident lawyer can help you file for No-Fault benefits, which will provide coverage up to $50,000 for an accident and in some cases more. This will go towards paying your medical bills and reimbursing you for out-of-pocket medical expenses that could include renting a wheelchair or in-home hospital bed or paying for prescription drugs.
Medical Care and Treatment Under New York’s No-Fault Coverage
Some of the medical care and treatment paid for by your no-fault coverage may include:
Emergency Department Triage and Care
Your no-fault coverage will pay for necessary ambulance or airlift to the nearest emergency department, as well as any treatment you require to save your life or stabilize you en route. Once you reach the hospital, emergency department personnel will provide treatment and care. They may run tests and use medical imaging to understand more about your injuries. Your no-fault coverage should pay for this, up to the limits of the policy.
Any in-hospital treatment to stabilize and treat your traumatic brain injury — as well as any other related injuries — may be covered by your no-fault policy. This could include any number of necessary tests and treatments such as:
- Additional imaging scans
- Clinical testing
The treatment of moderate and severe traumatic brain injuries is extremely expensive. The inpatient care costs can become astronomical.
Rehabilitation and Therapy
Many people who suffer moderate or severe traumatic brain injuries require some level of inpatient rehabilitation and/or outpatient therapy. This can range from intensive, multi-month programs to rebuild strength and relearn basic skills to a few weeks of physical therapy.
Some common types of therapies offered in inpatient rehabilitation and on an outpatient basis include:
- Physical therapy
- Speech therapy
- Cognitive therapy
- Occupational therapy
Victims of traumatic brain injuries often require continuing care, even if it is temporary.. Some people never recover enough to live independently and may require skilled nursing care or a home attendant for the rest of their life. The more severe cases could require placement in an assisted living facility.
Your no-fault coverage would pay for these costs, but most people have far exceeded the limits of their policy by this point.
Your Options If You Exceed the Limits of Your No-Fault Policy
Once your no-fault coverage runs out, you can file for additional no-fault coverage if you carry this type of benefit.
You may also be able to file a claim with your health insurance company. If you require long-term care and cannot work, Social Security Disability may be an option to help you pay your expenses.
We Can Help You Pursue Compensation
The New York car accident team from Oresky & Associates, PLLC has recovered more than $350 million in verdicts and settlements for our clients over the last 25+ years. We will evaluate the circumstances of your case for free, determining if you have a case for compensation.
If you or a loved one suffered a traumatic brain injury in a New York car accident, Oresky & Associates, PLLC is here to help. Let our car accident lawyers pursue compensation for all your damages. We handle injury accidents in Brooklyn, Manhattan, the Bronx, Queens, and Staten Island, as well as in Nassau County, Suffolk County, and Westchester County.
Call our office today at 718-993-9999 for your free case review with a member of our team. Our phones are answered 24 hours a day, seven days a week.