No-fault is a coverage under the automobile insurance plan of the vehicle you occupy while in New York State at the time of an accident.. You may also qualify for this coverage if you are a pedestrian strike by a vehicle. This kind of coverage is designed to pay for your lost wages, medical bills and other medically-necessary expenses. This means that your doctor must provide everything in writing. The reason, it is called no fault insurance, is because it is available irrespective of who caused the accident.
In most cases, under no-fault, you will not need a referral to see a specialist such as a , orthopedist, acupuncturist or chiropractor. Thus, if you do not have a primary care physician, you can usually still see a specialist without a referral. You, however, will need a referral for diagnostic tests such as x-rays and MRI scans, as well as physical therapy. It is best to consult with your attorney and insurance adjuster before seeing any healthcare practitioner.