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Dean Said:

Can I sue a drunk driver for out of pocket costs in a No-fault insurance state?

We Answered:

Sadly, no. If the sate is a No-Fault state, you can't sue the person who hit your vehicle.

Ruben Said:

laws on suing for cost of repair on vehicle after an accident ,andboth parties have no fault insurance?

We Answered:

And what is wrong with your insurance?

Jonathan Said:

Passenger in NY vehicle accident with No Fault Insurance?

We Answered:

?? The lawsuit is for specific purposes part (usually the vast majority) of the settlement is to pay medical expenses. It is the other party's insurance that pays the settlement.

Whatever settlement amount that was NOT attributed to medical expenses goes to the person injured (actually mostly to their lawyer)

Nathan Said:

how do I bill no fault insurance as a massage therapist in NY?

We Answered:

First, you must be licensed to provide the services that you are providing. I am not sure that no-fault recognizes a massage therapist as a medical provider. If it does, which it probably does,, then you must obtain an assignment of benefits from your patient. This allows you to deal directlywith the insurance company.

Then, in order to bill, go onto the the NY State Insurance Department webside, download an NF-3 (No Fault Verification of Treatment Form, which is the proscribed no-fault bill) and then send it into the appropriate insurnace company. It is very important that you have a mailing practice in place, where you can be sure of when a bill is mailed. This can be done by certified mailing, using a mailing log form from the post office, or simply denoting a file contemporaneously with billing.

You should become familiar with the workers' comp fee schedule. This way you bill correctly. You want to bill using the appropriate CPT Code and bill the appropriate amount.

Then, when benefits get denied, you should have a lawfirm commence litigation for you. Do not submit to the arbitration forum, put it into litigation. If you contact me privately, I will provide some firms that are good at this.

Also, do not get discouraged when insurance companies deny your claims. They will do so until you show them that you will challenge them. You will get paid for nearly all your claims in Court, provided that you are licensed to provide the services rendered, and that you keep good mailing records.

Do not take any State Farm patients. State Farm will likely allege that you are really a front for lay people that are benefiting from your billing and tie you up in litigation. When they make these accusations, all insurance companies take notice and will want to see how it resolves itself b/c if you walk away, they will do the same thing, or if you loose, then you will be estopped from challenging the issue with other insurance companies.

Eleanor Said:

I was a passenger in a wreck. The driver has no-fault insurance? Help?

We Answered:

This will follow North Carolina law since that is where the accident happened.

North Carolina is not a "no fault" (PIP) state. You would file a claim against the at fault drivers policy.

Jessie Said:

Does New York have a fault or no-fault insurance system?

We Answered:

http://www.ins.state.ny.us/r68/r68_art51…

it's no-fault.