![]() Delivery charges if you cannot leave home due to your injuries.Transportation if you cannot drive due to your injuries.Some examples of out-of-pocket expenses for bodily injuries include: Out-of-pocket expenses include reasonable and necessary expenses other than medical and job-related losses. Even though you paid the co-pay out of pocket, insurers consider the co-pay a medical expense rather than an out-of-pocket expense. Thus, if you pay a copay for your prescription drugs out of your pocket, your insurer will fully reimburse you for that co-pay. Your bodily injury benefits cover everything on this list. Occupational therapy and rehabilitation.Claims for Bodily Injuryīodily injury claims, whether filed as PIP claims or BIL claims, cover all necessary medical expenses for: The types of expenses and the amount of reimbursement you can seek will depend on the nature of your claim. Again, PDL coverage will pay for any reasonable and necessary out-of-pocket expenses caused by your accident. This coverage pays to repair or replace your vehicle after a car accident. New York also requires you to buy property damage liability (PDL) coverage. Instead, you should get reimbursed for out-of-pocket expenses caused by your injury that were reasonable and necessary. Unlike PIP, you will not have a hard cap on out-of-pocket expenses if you file a claim against the at-fault driver’s BIL coverage. You suffer a serious injury as defined by the law in New York state.Since New York is a no-fault state, you can only make a claim against the at-fault driver’s BIL insurance under two conditions: Bodily injury liability (BIL) coverage pays for necessary and reasonable expenses resulting from an injury. There are two types of liability insurance. The driver’s liability insurer has a contractual duty to pay claimants on the driver’s behalf. For example, suppose that a negligent driver has legal liability for a car accident. Liability insurance covers third parties when the insured customer causes an accident. But in exchange for these guaranteed benefits, you cannot seek compensation from the at-fault driver unless you meet certain conditions. Your insurer will pay PIP benefits regardless of who caused the accident. Necessary and reasonable out-of-pocket expenses up to policy limits.When you get injured during an accident, your insurance company will pay: PIP coverage is the “no-fault” part of no-fault insurance. This means vehicle owners in New York must buy certain insurance coverage: Personal Injury Protection (PIP) New York uses a no-fault auto insurance system. Getting Reimbursed for Out-of-Pocket Expenses.
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