Do you treat car accident injuries under no-fault insurance?

Yes — no-fault cases are a core specialty at ANAN Chiropractic PC. New York's no-fault insurance covers medically necessary treatment after a crash regardless of who was at fault, including chiropractic care and physical therapy. We bill the no-fault carrier directly, and for covered treatment you pay nothing out of pocket. Remember the 30-day filing window and call (718) 304-5333 promptly after any accident.

Do you accept workers' compensation cases?

Yes. Work injuries are the other half of our practice. We accept workers' compensation directly, manage authorizations and billing with the carrier, and document your treatment and progress to Workers' Compensation Board standards — so your claim stays as healthy as your recovery.

Do you offer care in Spanish?

Yes — care at ANAN Chiropractic PC is available in both English and Spanish, from the first phone call through the evaluation, treatment plan, and every progress conversation. Spanish-speaking patients understand each step of their own recovery here. Call (718) 304-5333 in either language.

What services do you offer?

Chiropractic care, physical therapy, acupuncture, therapeutic massage, cupping, and spinal decompression — with digital X-rays on site so your evaluation can include imaging the same day. Chiropractic and physical therapy run on one coordinated plan, in one office.

Do I pay anything out of pocket?

For accepted no-fault and workers' compensation claims, covered treatment is billed directly to the insurance carrier — not to you. Most major private insurance plans are also accepted. Call with your details and we'll explain exactly how billing works for your case before you commit to anything.

What should I do after a car accident?

Three steps: report the accident, file the no-fault application within 30 days, and get evaluated as soon as possible — ideally within the first 72 hours, because many injuries surface days after the crash. At your evaluation, mention every symptom, even the ones that seem minor. Call us and we'll guide you through each step.

Where are you located and what are your hours?

ANAN Chiropractic PC is at 1647 Macombs Rd, Bronx, NY 10453, in Morris Heights — minutes from the Cross Bronx Expressway and Major Deegan. We're open Monday through Friday, 9:00 AM to 7:00 PM, with evening availability that fits working schedules. We serve Morris Heights, Highbridge, Mount Eden, Fordham Heights, Mount Hope, University Heights, and patients from Washington Heights and Inwood.

Do I need a referral to be seen?

No referral is needed to schedule an evaluation. Call (718) 304-5333 or request an appointment online, bring your insurance and accident details, and we'll take it from there — including helping you understand how your no-fault or workers' comp coverage applies.

New York No-Fault Explained: The 30-Day Rule and What It Actually Covers

Nobody reads about no-fault insurance on a good day. People read about it at 11 PM on day four after a crash on the Cross Bronx, neck finally admitting what the adrenaline hid, with a glovebox full of papers and one growing question: who is supposed to pay for all this? So this guide answers that question the way a neighbor would, in plain language, with the deadlines in bold and the traps labeled, because at our Morris Heights clinic we watch good people lose legitimate coverage every year over rules nobody ever explained to them.

Here is the entire system in one sentence before we take it apart: in New York, your medical treatment after a car accident is paid by no-fault insurance regardless of who caused the crash, but only if you file the right form with the right insurance company within 30 days. Everything else on this page is detail on that sentence, and the detail is where claims live or die.

What No-Fault Actually Is, In Plain Terms

New York is a mandatory no-fault state, which means every auto insurance policy sold here must include something called Personal Injury Protection, or PIP. The idea behind it is speed: instead of two insurance companies fighting for months over whose driver caused the crash while your medical bills pile up, your economic losses get paid promptly by the applicable policy no matter who was at fault. You could have been rear ended while fully stopped, or you could have caused the fender bender yourself; either way, the medical coverage works the same.

The protection is broader than most people assume. It covers the driver, the passengers, and, in a detail that surprises almost everyone, pedestrians and cyclists struck by a vehicle, who claim against the insurance of the car that hit them. If you were walking across Tremont Avenue and a car clipped you, no-fault is your medical coverage too, even though you do not own a car and never bought a policy in your life.

The 30-Day Rule, and the Form With a Name

Now the deadline that decides everything. To activate your coverage, written notice of the accident must reach the applicable no-fault insurer within 30 days of the crash, and the standard vehicle for that notice is a form called the NF-2, the Application for Motor Vehicle No-Fault Benefits. Thirty days sounds generous until real life gets involved: the soreness you assumed would fade, the rental car chaos, the shifts you could not miss, and suddenly it is day 26 and the form is still in the glovebox.

Two details inside the rule trap people constantly. First, the notice must go to the correct insurer, which depends on your role in the accident: generally your own vehicle’s policy if you were driving or riding in your car, the vehicle you occupied if you were a passenger, or the striking vehicle’s insurer if you were a pedestrian or cyclist. Sending the form to the wrong company burns days you do not have. Second, the deadline is about notice, not about how injured you feel. Filing the form does not commit you to anything; it simply preserves your right to treatment if the soreness turns out to be a herniated disc. The professional advice is unambiguous: file early, file even if you feel fine, because a filed claim you never need costs nothing, and an unfiled claim you need on day 35 can cost everything.

And if you are reading this on day 35, do not give up before asking. New York’s rules allow insurers to accept a late application when there is a clear and reasonable justification for the delay, and cases get saved on that provision. It is a harder road than filing on time, but it is a road, and a clinic or attorney who handles these cases daily can tell you honestly whether yours qualifies.

What No-Fault Actually Covers

The coverage, once activated, is genuinely substantial. Medically necessary treatment for your accident injuries sits at the center: doctor visits, hospital care, diagnostic imaging, chiropractic care, physical therapy, acupuncture, and related rehabilitation, which is precisely the menu a coordinated injury clinic delivers. Basic no-fault coverage in New York commonly runs up to fifty thousand dollars per person in combined benefits, which for the overwhelming majority of crash injuries is more than the full course of treatment ever approaches.

Lost wages are the half of the coverage almost nobody knows about. If your injuries keep you out of work, no-fault reimburses a substantial portion of your lost earnings, subject to monthly limits, which for the Bronx worker living paycheck to paycheck can matter as much as the medical side. Reasonable and necessary expenses caused by the injury, like transportation to medical appointments or help with essential household tasks you temporarily cannot perform, can also qualify. The system was built to keep an injured person’s economic life standing while the body heals, and used correctly, it largely does.

What It Does Not Cover, Stated Honestly

An honest guide names the boundaries too. No-fault pays economic losses, not pain and suffering; compensation for the injury itself, the sleepless months, the lasting limitations, lives in a separate lawsuit against the at-fault driver, and New York law only allows that suit when the injuries meet the state’s serious injury threshold, a question for an attorney rather than a clinic. Vehicle damage is a separate claim entirely, handled through collision or property damage coverage, not PIP. And treatment must be medically necessary and connected to the accident, which is exactly why the documentation habits of your clinic matter so much: sloppy records invite the carrier’s two favorite words, not related.

One more boundary that surprises people: no-fault has its own internal deadlines beyond the famous one. Your medical providers generally must submit their bills to the insurer within 45 days of treatment, which is invisible to you when your clinic handles billing properly and catastrophic when it does not. Choosing a clinic fluent in the system is not a convenience. It is claim protection.

Where Treatment Fits, and Why Gaps Hurt Twice

With the claim filed, treatment flows simply: no referral is needed to be evaluated by a chiropractor in New York, the clinic verifies your specific coverage, and at offices that bill the no-fault carrier directly, covered treatment produces no bills with your name on them. From there, one habit protects both your spine and your file: consistency. Gaps in treatment hurt twice, because guarded muscles stiffen back toward the injury pattern every time rehabilitation pauses, and because a gap in the visit record reads to a carrier like a gap in the injury. The patients who recover fastest and whose claims close cleanest are, with boring reliability, the ones who kept every appointment through week six, not just week one.

This is also where the shape of the clinic matters. Crash injuries respond best to coordinated care, the correction, the rebuilding, and the pain relief sequenced together, and the full picture of how that rehabilitation actually unfolds week by week lives in our guide to physical therapy after an accident in the Bronx. The short version: the system will pay for the complete recovery. Most people only claim the first half of one.

The Five Mistakes That Sink Bronx Claims

After years inside these cases, the failure patterns repeat so consistently they deserve their own list, written in prose because each one is a story. The first is the day one hero, who tells everyone at the scene he is fine, skips the evaluation, and discovers on day three what adrenaline was hiding, now with a record that says otherwise; the fix is an evaluation within the first days after any collision, ideally within 72 hours. The second is the glovebox filer, who means to send the NF-2 and remembers on day 34; the fix is filing the week of the crash, injured feeling or not. The third is the wrong address, sending notice to the other driver’s insurer when your own policy was the applicable one, or the reverse; the fix is letting a clinic or attorney who does this daily confirm the correct carrier before the clock runs low. The fourth is the ghost, who starts treatment strong and vanishes in week three when the pain fades, teaching the carrier that the injury must have too; the fix is finishing the plan, because pain leaving is not the same as healing finishing. And the fifth is the silent sufferer, who never mentions the shoulder because the neck hurt worse, then finds the shoulder excluded later because it never entered the record; the fix is reporting every symptom at the first visit, including the small ones.

How This Works at Our Office

At ANAN Chiropractic PC on Macombs Road, this entire system is the daily job, and the machinery reflects it. The first call verifies your coverage. The first visit takes the full history, examines everything, and images what needs imaging on our on site digital X-rays, so the record starts complete. The no-fault paperwork, including the deadlines you just read about, is handled by a team that processes it every day, with billing sent directly to the carrier so covered treatment costs you nothing out of pocket. Treatment itself runs coordinated under one roof, chiropractic care, physical therapy, acupuncture, massage, cupping, and spinal decompression as the injury requires, and the whole process runs fully in English or Spanish, whichever you think in, from the first phone call to the last visit. The detailed treatment side of the story lives on our whiplash and car accident injury treatment page.

Frequently Asked Questions

What is the 30-day rule for no-fault in New York?

Written notice of the accident, typically Form NF-2, must reach the applicable no-fault insurer within 30 days of the crash to preserve your benefits. Late filings can sometimes be accepted with a clear and reasonable justification, but on-time filing is the only safe road.

Does no-fault cover chiropractic care and physical therapy?

Yes. Medically necessary chiropractic care, physical therapy, and related rehabilitation for accident injuries are covered under New York no-fault, regardless of who caused the crash, and clinics that bill carriers directly leave patients with nothing to pay out of pocket for covered care.

I was a pedestrian hit by a car. Does no-fault apply to me?

Yes. Pedestrians and cyclists struck by a vehicle are covered, claiming through the insurance of the vehicle that hit them, even if they own no car and no policy themselves.

Does no-fault pay for my pain and suffering?

No. No-fault covers economic losses like medical treatment and lost wages. Compensation for pain and suffering requires a separate claim against the at-fault driver and is subject to New York’s serious injury threshold, which is a question for an attorney.

What if I feel fine after my accident?

File anyway and get evaluated anyway. Whiplash and soft tissue symptoms commonly appear one to three days after a crash, filing preserves your rights whether or not you ever need them, and an early evaluation creates the record that protects both your health and your claim.

The Bottom Line

New York built a system that pays for your recovery regardless of fault, and then attached a 30-day fuse to it. Respect the fuse. File the NF-2 the week of the crash, send it to the correct insurer, get evaluated within days even if you feel fine, report every symptom, and finish the treatment plan you start. Do those five things and the system works exactly as designed, covering the care, protecting the wages, and leaving you free to do the only job that was ever actually yours: healing. For everything else, the paperwork, the billing, the deadlines, the borough has offices built for the load. Ours is at 1647 Macombs Road, it answers in English and Spanish, and the number is (718) 304-5333.