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Insurance Guide
No-Fault & Workers' Comp Care in Brooklyn & Queens Village
Hurt in a car accident or at work? Here's how coverage works in New York, what to do first, and what our office handles for you.
- We bill your claim directly
- No referral needed
- Same-day visits at both offices
How Coverage Works in New York
Two different systems, depending on how you were hurt.
Car Accident
- Who it's for People hurt in a car accident in New York, including drivers, passengers, and in most cases pedestrians, no matter who caused the crash.
- Where it comes from The auto insurance policy, not your health insurance. You don't need health insurance to be treated.
- What it can cover Accident-related care such as chiropractic, physical therapy, diagnostic testing, pain management, and orthopedic care, depending on your policy and claim.
- Deadline The no-fault application usually must be filed within 30 days of the accident.
Work Injury
- Who it's for People hurt on the job in New York, whether from a single accident or strain that built up over time.
- Where it comes from Your employer's workers' compensation insurance. Federal employees are covered through the U.S. Department of Labor (OWCP) instead.
- What it can cover Care related to your work injury, generally including chiropractic, physical therapy, diagnostic testing, pain management, and orthopedic care.
- Federal employees Dr. Radpasand is authorized to treat federal workers' comp patients, including postal and VA workers.
New to a Claim? Here's What to Do
After a Car Accident
- 1. Get seen Come in as soon as you can, even if the pain seems minor. No referral needed.
- 2. File your no-fault application Usually within 30 days of the accident. If you're not sure what paperwork you need, our office can guide you.
- 3. Bring what you have Photo ID, claim number, police report, and any hospital paperwork. Missing something? Bring what you have.
- 4. We handle the billing We bill your no-fault carrier directly and keep your care documented.
After a Work Injury
- 1. Tell your employer Report the injury to your employer and ask for their workers' comp insurance information.
- 2. Get seen Come in for an evaluation. No referral needed, and your claim doesn't have to be filed yet.
- 3. Bring what you have Photo ID, claim number if you have one, employer and carrier information, and any incident report.
- 4. We handle the billing We bill workers' comp directly and document your injury so your care and your claim stay on track.
What Our Office Handles for You
- Billing no-fault and workers' comp directly
- Documenting your injuries from day one
- Guidance on claim paperwork
- Coordinating with your attorney
- Sending records when authorized
- Chiropractic, PT, pain management, orthopedics, and testing in one place
What to Bring
Don't have everything yet? Bring what you have, and we'll help with the rest.
- Photo ID
- Claim number, if you have one
- Police or accident report
- Employer and insurance carrier (work injury)
- Hospital, urgent care, MRI, or X-ray paperwork
- Insurance letters, IME, or EUO notices
- TLC license (taxi and rideshare drivers)
- Attorney information, if you have one
Insurance Questions
Will I have to pay anything?
Care for car accident and work injuries is usually covered by no-fault or workers' comp and billed directly by our office, so you don't pay upfront for covered care.
I don't have health insurance. Can I still be treated after a car accident?
Yes. In New York, no-fault benefits come from the auto insurance policy, not your health insurance. We bill no-fault directly.
Do I need a lawyer?
No. You can be treated under no-fault or workers' comp without an attorney. If you already have one, bring their contact information and we'll coordinate with them.
What if my claim is still pending, or it gets denied?
Contact our office and we'll go over your situation and explain your options. Many patients choose to work with an attorney if a claim is denied.
My pain started days after the accident. Is it too late?
No. Delayed symptoms are common after car accidents and work injuries. Come in as soon as you can, because filing deadlines may apply.
Does my immigration status matter?
No. Your immigration status doesn't matter for treatment at our office or for using no-fault or workers' comp.
I drive for Uber, Lyft, or a taxi company, or I make deliveries. Am I covered?
Depending on how you were hurt, your care may be covered by no-fault or workers' comp. We'll help you figure out which applies and handle the paperwork. Bring your TLC license if you have one.
I'm a federal employee. Can you treat me?
Yes. Federal employees file work-injury claims through the U.S. Department of Labor (OWCP). Dr. Radpasand is authorized to treat federal workers' comp patients. Federal coverage for chiropractic care has specific requirements, so contact our office and we'll help you understand what applies.
Get Started Today
No referral needed. Same-day appointments. Walk-ins welcome.
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