You get to pick your own doctor

New York No-Fault (sometimes referred to as Personal Injury Protection, or PIP) covers reasonable and necessary medical treatment for injuries from a motor vehicle accident. The choice of provider is yours. Your auto insurer does not get to select your doctor, steer you to a specific clinic, or require you to see an in-network provider the way some health plans do.

That means you can seek care from a provider you already trust, or from a practice experienced in treating accident injuries and handling No-Fault claims. What matters for coverage is that the care is medically appropriate for your injuries and that the paperwork and deadlines are handled correctly. Learn more about the basics on our how No-Fault insurance works page.

You do not need a referral to start care

Unlike many private health plans, No-Fault does not require a primary-care referral before you see a specialist for accident injuries. You can go directly to the type of provider your injuries call for.

• Neck and spine pain — see our neck pain and back injury care pages
• Nerve pain or numbness — related to sciatica or a herniated disc
• Whiplash after a rear-end collision — see whiplash treatment
• Rehabilitation through physical therapy or pain management

Injury Recovery MD is multi-specialty, so orthopedics, chiropractic, physical therapy, and pain management can be coordinated in one plan rather than sending you to several unconnected offices.

How to switch to a No-Fault provider

You are not locked into the first provider you saw. If you started somewhere — an emergency room, an urgent care, or another clinic — and want to continue your treatment with a different practice, you can switch. Here is a general path:

• Confirm your claim is open. Have your No-Fault claim number and the auto insurer’s information ready. If you have not filed yet, note the strict 30-day deadline to submit the No-Fault application after the accident.
• Contact the new practice. Give them your claim details so they can verify coverage and set up billing with your insurer.
• Request your records. Ask your prior provider to share imaging and treatment notes so your new team has your full history.
• Continue care without a gap. Keeping treatment consistent supports both your recovery and the documentation your claim relies on.

Our team can walk you through these steps when you call. See our No-Fault injury care overview for more.

We bill No-Fault directly — eligible visits are typically $0 out of pocket

When your care is covered under an open No-Fault claim, Injury Recovery MD bills your No-Fault insurer directly, so eligible visits are typically $0 out of pocket for you. New York No-Fault generally has no copay for covered, medically necessary treatment, though your specific costs can depend on your policy — for example, whether it includes a deductible and whether your available No-Fault benefits have been used up. You focus on getting better instead of paying up front and chasing reimbursement.

We also provide the documentation that insurers — and, if you retain one, attorneys — typically require: exam findings, diagnostic results, treatment notes, and progress reports. If you need testing, we coordinate diagnostic imaging, EMG nerve testing, and injection treatments as part of one plan.

Convenient, timely access on Long Island

Injury Recovery MD has offices across Nassau and Suffolk County, and we often offer same-day and next-day appointments so you can be evaluated soon after your accident. Getting seen promptly helps your care team document your injuries and start an appropriate treatment plan.

Find a nearby office on our locations page, meet the clinicians on our medical team page, or review the steps to take right after a crash on what to do after a car accident in New York. To choose us as your No-Fault provider or switch your care, call (631) 560-8357.

Frequently asked questions

Can the insurance company make me see their doctor instead of my own?

For your ongoing treatment, No-Fault lets you choose your own provider — the insurer cannot assign your treating doctor. Separately, an insurer may schedule an independent medical exam (IME) to review your claim, but that exam does not replace your right to choose who treats you. To start or continue care with us, call (631) 560-8357.

Do I need a referral to be treated under No-Fault?

No. No-Fault does not require a primary-care referral to see a specialist for your accident injuries. You can go directly to the appropriate provider, and Injury Recovery MD is multi-specialty so several types of care can be coordinated in one plan.

Can I switch to a new provider after already starting treatment somewhere?

Yes. You can change providers while your No-Fault claim is open. Have your claim number ready, ask your prior provider to share your records, and contact the new practice to verify coverage. Call (631) 560-8357 and our team can help you make the switch.

Will I have to pay out of pocket for my visits?

When care is covered under an open No-Fault claim, we bill your No-Fault insurer directly, so eligible visits are typically $0 out of pocket. Coverage depends on your claim being active and the treatment being medically appropriate for your injuries, and your out-of-pocket cost can also depend on your policy — for example, any deductible or whether your available benefits have been used up.

How quickly can I be seen after my accident?

We often offer same-day and next-day appointments at offices across Nassau and Suffolk County. Being evaluated promptly helps your care team document your injuries and begin an appropriate treatment plan. Call (631) 560-8357 to schedule.