Does No-Fault cover chiropractic and physical therapy?
Straight answers from the Fusion team in West Babylon, NY.
Reviewed by Dr. Don Chiappetta, DC, Fusion Chiropractic: Health and Wellness · Published October 21, 2026
Generally yes. New York No-Fault insurance pays reasonable and necessary medical expenses after a car accident regardless of who was at fault, and that can include chiropractic care and physical therapy — subject to the state fee schedule and your insurer's review of medical necessity. Fusion accepts No-Fault and verifies your claim details before treatment.
What No-Fault is
No-Fault is the first-party coverage that comes with New York auto policies. Basic coverage is generally $50,000 per person for basic economic loss, which includes medical expenses and other covered losses. Your policy and claim determine the specifics.
What “reasonable and necessary” means
Treatment has to be medically justified for your injury. Insurers can ask for records or an independent examination, so keep your appointments and follow your care plan. Clear documentation from the first visit helps.
What to bring to your first visit
- Your No-Fault claim number
- Your insurer and adjuster information
- The accident date and police report number
- Photo ID and your health insurance card
Chiropractic and PT in one plan
At Fusion, chiropractic care and physical therapy are coordinated in one office, so your treatment and your paperwork stay organized.
This article is general information, not medical advice or a diagnosis. For care specific to you, request an appointment or call (631) 560-4548.