MOTOR VEHICLE ACCIDENTS: WORKERS’ COMP VERSUS NO-FAULT

When someone is injured in a motor vehicle accident, New York’s No-Fault Law provides coverage for lost wages and medical bills.  As a result, when a hospital or doctor’s offices hears that you were injured in a car accident, they often submit their bills and reports to No-Fault.

However, if the motor vehicle accident was work-related, then the primary coverage is provided by workers’ compensation – not No-Fault.  If the medical providers submit their bills and reports incorrectly, it can delay the payment of workers’ compensation benefits, or even cause the workers’ compensation claim to be contested or denied.

This is important to the injured worker because workers’ compensation provides far greater protection than No-Fault.  No-Fault’s payment for lost wages is limited to $2,000 per month, and its maximum payment for lost wages and medical bills combined is only $50,000.  In a case with serious injuries, a few days in the hospital can exhaust the No-Fault coverage, leaving the worker with no protection for lost wages or additional medical bills.

By contrast, workers’ compensation provides unlimited coverage for medical expenses, lost wage payments can exceed $4,000 per month, and benefits can be paid for many years and in some cases for life.

As a result, if you are injured in a motor vehicle accident while working, it’s important that you make sure your health care providers are aware that you have a workers’ compensation case, not a No-Fault claim, so they can submit their bills and reports correctly and help you get the proper benefits.

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