There is no set number of weeks

One of the most common questions we hear on Long Island is, “How many visits does No-Fault give me?” No-Fault (also called Personal Injury Protection, or PIP) is not structured as a set number of weeks or a fixed visit count. Instead, coverage is tied to two things: whether the care is medically necessary and whether it is causally related to your motor-vehicle accident.

That means two patients with the same injury can have very different treatment timelines. Someone with a mild neck strain may finish care in a few weeks, while someone recovering from a herniated disc or ongoing sciatica may be treated over a longer period, as long as the clinical record continues to support it.

The $50,000 basic economic-loss limit

Standard New York No-Fault coverage provides a basic economic loss benefit of $50,000 per person. This pool is not for medical bills alone. It can also be drawn down by other covered economic losses, which commonly include:

• Medical, hospital, and rehabilitation expenses
• Lost earnings from work, subject to the statutory monthly cap and percentage
• Certain reasonable and necessary out-of-pocket expenses related to the injury

Because lost wages and other costs share the same $50,000, the amount available for treatment depends on your individual claim. Some policies also carry Additional PIP (APIP) that can extend beyond the basic limit. When we bill No-Fault directly and a visit is covered, eligible care is generally $0 out of pocket for you while benefits remain available (any optional policy deductible may apply).

What can affect how long treatment is covered

Several factors influence the length of your covered care under No-Fault:

• Medical necessity — care must remain clinically appropriate for your injury and stage of recovery.
• The remaining benefit balance — as the $50,000 is used, less may be available for future care.
• Insurer review — carriers may request records or schedule an Independent Medical Examination (IME) to assess ongoing need.
• Filing deadlines — No-Fault has strict timeframes, including the requirement to file the initial application (NF-2) generally within 30 days of the accident, and to submit bills within 45 days of the date of service.
• Your recovery — treatment naturally winds down as your condition improves.

Learn more about how the benefit works on our No-Fault injury care and car accident injury care pages.

Why documentation matters so much

Under No-Fault, the medical record is what supports continued coverage. Insurers look for clear, contemporaneous notes showing your diagnosis, your response to treatment, and the reason each service is needed. Thorough, timely documentation is a key part of supporting continued, medically necessary care.

Our multi-specialty team coordinates physical therapy, chiropractic, orthopedics, and pain management in one plan and produces the records that No-Fault carriers and, when relevant, attorneys request. When testing is clinically appropriate, studies such as EMG nerve testing can help objectively document the injury and support the treatment plan.

How care winds down

Treatment under No-Fault typically continues until you reach maximum medical improvement, your benefits are exhausted, or your provider determines further care is no longer medically necessary. At any point, the insurer may deny or reduce benefits based on their review, which does not always match your provider’s assessment.

If your benefits are denied, reduced, or exhausted while you still have symptoms, there may be other options, such as Additional PIP, health insurance, or a claim against an at-fault party. Those are legal and coverage questions, and Injury Recovery MD is a medical provider, not a law firm — for advice on your specific rights or a possible lawsuit, we suggest speaking with an attorney.

Get evaluated on Long Island

Injury Recovery MD serves Nassau and Suffolk County with same-day and next-day appointments across our Long Island offices. We bill New York No-Fault directly, so eligible covered visits are generally $0 out of pocket, and our medical team documents your care thoroughly from the first visit.

To start an evaluation or ask about your No-Fault benefits, call (631) 560-8357.

Frequently asked questions

Does No-Fault cover treatment for a fixed number of weeks?

No. New York No-Fault does not set a fixed number of weeks or visits. Coverage continues for care that is medically necessary and related to your accident, up to your policy’s economic-loss limit.

How much medical coverage does basic No-Fault provide?

Standard No-Fault includes a basic economic loss benefit of $50,000 per person. That amount is shared among medical care, lost earnings, and certain other covered expenses, so the portion available for treatment varies by claim. Some policies add Additional PIP (APIP) on top.

What can cause my No-Fault treatment to stop being covered?

Common reasons include reaching the $50,000 limit, an insurer determining care is no longer medically necessary (sometimes after an IME), missed filing deadlines, or your recovery reaching a stable point.

Will I have to pay anything for my visits?

When we bill New York No-Fault directly and your visits are covered, they are generally $0 out of pocket while benefits remain available. Any optional policy deductible may apply, and charges the insurer denies could become your responsibility.

What happens if my benefits run out but I still need care?

There may be other options, such as Additional PIP, health insurance, or a claim against an at-fault party. Those are legal and coverage questions, so we suggest consulting an attorney; as a medical provider, we can continue coordinating your care.