Do I Have To Let A Doctor Hired By The No-Fault Provider Look At Me?

by Friedman & Ranzenhofer, PC on June 26, 2011

in NY Insurance Issues

Buffalo residents who suffer a personal injury in a motor vehicle accident will – in nearly all cases – have their initial medical bills and lost wages paid by their own automobile insurance provider under New York State’s No-Fault law.  Basically, this law requires the No-Fault provider to pay at least the first $50,000 in medical bills, lost wages and other necessary expenses following a motor vehicle accident.

As part of making such payments, however, the No-Fault provider often will require an injured party to submit to a medical examination by a doctor chosen by them.  The purpose of this examination is to determine if the treatment the injured party is receiving is actually necessary and whether further treatment should be paid for.  In cases involving long term injuries and extensive treatment, an injured person may be
required to submit to examinations on multiple occasions – and even from doctors with different specialties – as the insurance company attempts to keep track of the condition of the insured.

It is necessary to attend these examinations.  Failure to do so may result in the No-Fault provider cutting off future payments to your medical providers.  Bear in mind, however, that the doctor examining you is hired by the insurance company to protect them, not you.

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