Who is entitled to receive
automobile no-fault benefits?
Anyone whose injury arises out of the maintenance
or use of a motor vehicle. (For example, all
occupants or drivers of cars, trucks or buses
involved in collisions; all pedestrians struck by cars,
trucks, buses; even persons injured while providing
maintenance to their vehicles.)
Do I have to buy no-fault
insurance to be covered for
No. With limited exceptions, no-fault coverage is
available to everyone injured in an accident
involving a motor vehicle.
Am I entitled to receive these
benefits if I was at fault in
causing the accident?
Yes. It makes no difference who, if anyone, was at
fault in causing the accident.
What health care benefits are
available under no-fault
You are entitled to a minimum of $20,000 coverage
for reasonable medical, hospital, chiropractic,
surgical, optical and/or dental care, including
prescription and non-prescription drugs.
Do I have to be treated by a
doctor or chiropractor in my
insurance company’s network?
No. You are free to treat with whomever you
Am I limited in the number or
frequency of treatments?
No. The no-fault insurer is required to pay for all
medical and chiropractic treatment which is
reasonable and necessary to treat injuries sustained
in a motor vehicle accident.
Am I entitled to reimbursement
for mileage in obtaining medical
and chiropractic treatment?
Yes. No-fault benefits include reimbursement for
mileage incurred in obtaining medical and
chiropractic care (keep a log of medical miles,
including the dates of treatment, round-trip miles,
and any parking expense).
Are wage loss benefits
Yes. A person unable to work because of injuries
sustained in a motor vehicle accident is entitled to
85% of that person’s gross wage loss, up to $250 per
week (make sure you obtain a written disability
statement from your treating physician indicating
the dates you were unable to work when
submitting a wage loss claim to the no-fault