Legal Question in Personal Injury in New York

Re: Medicare and No Fault Insurance

The PIP benefits of your auto insurance policy max out at 50K. It is unclear how much of that amount your carrier paid to medical providers before cutting you off. If they paid the full 50K (as several surgeries could amount to) your benefits were exhausted. If they cut you off before paying out the full 50K the letter you received from the carrier gave you (and the attorneys presumably handling your personal injury case against the other car) three choices: 1. complain to the NYS Department of Insurance; 2. Go to arbitration with paid bills for medical treatment; or 3. Add the medical expenses to your personal injury case. If Medicare picked up the bill-paying after no-fault cut you off they will likely not communicate with your auto insurance carrier. They may, however, impose a lien for payments made and look to claim money from you out of any settlement/moeny judgment you receive in the personal injury case when it's over. Hope this answers your question. Best, M. E. Zuller (NYC)