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No-Fault Doctors Near You - Physicians That take auto insurance

A No Fault doctor is a physician that specializes in treating car accident injuries and bills the auto insurance company for your treatment. They work directly with your insurance company so you don’t have to worry about any up-front cost.

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What to Look For in a No-Fault Doctor

After you are hurt in a car accident seeing the right doctors can make a big difference in your recovery and your personal injury case if you have one. 

Experience treating car accident injuries

One of the most important factors to consider is whether the doctor regularly treats patients injured in car accidents. Accident-related injuries differ from typical medical conditions that your primary care doctor treats and may include:

No fault accident doctors

  • Whiplash
  • Neck and back injuries
  • Herniated discs
  • Soft tissue injuries
  • Concussions and traumatic brain injuries
  • Shoulder and knee injuries
  • Nerve damage

A doctor experienced in accidents will understand how these injuries develop and they should be treated.

The Doctor understands No-fault requirements

Insurance claims often involve deadlines and specific requirements. A No-fault doctor should be familiar with:

  • Personal Injury Protection (PIP) benefits
  • Insurance requirements
  • Medical necessity
  • Treatment plans
  • Auto Insurance billing 

A doctor who does not treat personal injury patients on a regular basis may not know of the guidelines they need to follow to maximize your no fault benefits.

Multiple Treatment options

Recovering from injuries may require different types of treatment and require you to see more than one doctor.

  • Chiropractic care
  • Physical therapy
  • Orthopedic treatment
  • Pain management
  • Neurological evaluations
  • Diagnostic imaging
  • Specialist referrals
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How to Start Treating With a No-Fault Doctor

Starting treatment with a no-fault doctor is usually quick and straightforward. These doctors know exactly what’s needed to begin care. What you will need to start treating with a no fault doctor:

Schedule an Appointment

Use our database to find a no fault doctor

Auto insurance details

The doctor will need the Claim number

Attorney information

The doctor will need your attorneys info.

You do not need an attorney to treat with a doctor. Our no fault doctors can help file all the paperwork and claim forms with the adjuster so you can start treating right away.

Injuries our No-Fault doctors Treat

Whiplash is one of the most frequent accident injuries. It occurs when the neck is violently thrown backward and forward in a rapid, snapping motion. It’s especially common in rear‑end collisions.

Symptoms:Whiplash Injury Treatment in Augusta

  • Neck pain
  • Neck stiffness — difficulty turning your neck.
  • Headaches — typically starting at the base of the skull.
  • Shoulder or upper‑back pain — soreness radiating from the neck.
  • Reduced range of motion — trouble looking over your shoulder or tilting your head.
  • Tenderness — muscles and ligaments feel sore to the touch.
  • Dizziness — often due to soft‑tissue strain.
  • Fatigue — feeling tired.

Neck pain and stiffness are very common after accident. Even when the crash happens at low speeds and is considered a minor crash. The sudden force of impact can strain the muscles, ligaments, and joints in your neck. This can leave you sore, tight, and unable to move comfortably.

These symptoms can develop immediately or within the next 24–48 hours.

Back and spinal injuries occur when the impact forces your spine to move unnaturally. These injuries can affect the lower back, mid‑back, or even the nerves that run down your arms and legs This leads to a wide range of symptoms you shouldn’t ignore.

Symptoms of Back & Spinal Injuries After a Crash

  • Lower back pain — dull, sharp, or radiating pain that gets worse with movement.
  • Mid‑back pain — often caused by muscle strain or joint irritation.
  • Muscle strains — tightness, spasms, or soreness along the spine.
  • Nerve compression — pressure on spinal nerves that may cause: Numbness, tingling, and radiating pain down the arms and legs.

These symptoms can appear immediately or develop over the next few days. 

Herniated and bulging discs are caused when the force of the crash causes the soft discs between your vertebrae to shift, tear, or become compressed. When a disc moves out of place or presses on nearby nerves, it can trigger a wide range of symptoms

Symptoms:

  • Back pain — sharp, aching, or radiating discomfort in the lower or mid‑back.
  • Stiffness — difficulty bending, twisting, or standing upright.
  • Numbness — loss of sensation in the arms, hands, legs, or feet.
  • Tingling — “pins and needles” caused by nerve irritation.
  • Weakness — trouble lifting objects, gripping, or walking normally.
  • Radiating pain — discomfort that travels down the arms or legs (sciatica).

These symptoms can appear immediately or develop over several days as inflammation increases.

Treatments

  • Chiropractic care — spinal adjustments to reduce pressure on the affected disc and improve alignment.
  • Physical therapy — targeted exercises that strengthen the spine, improve flexibility, and reduce inflammation.
  • Pain management — options may include anti‑inflammatory strategies or other doctor‑guided approaches to reduce discomfort. (injections)
  • Spinal decompression — non‑surgical traction that helps relieve pressure on compressed nerves.
  • Massage therapy — reduces muscle tension and improves circulation around injured tissues.
  • Heat and ice therapy — helps manage swelling and stiffness in the early stages.
  • Activity modification — avoiding movements that make pain worse.

The jolt of the accident can cause the brain and neck to move rapidly. This may lead to a concussion, or whiplash-related headaches. 

Symptoms 

  • Persistent headaches — dull, sharp, or throbbing pain that doesn’t go away.
  • Dizziness — feeling lightheaded or unsteady.
  • Nausea — sometimes accompanied by vomiting.
  • Sensitivity to light — bright lights worsen discomfort.
  • Confusion — trouble thinking clearly or feeling “foggy.”
  • Difficulty concentrating — challenges focusing on tasks or conversations.

Treatments

  • Rest and activity modification — limiting screen time, bright lights, and strenuous activity while your brain and neck recover.
  • Chiropractic care — gentle adjustments to relieve neck tension and improve mobility.
  • Physical therapy — exercises that restore neck strength, reduce stiffness, and improve posture.
  • Pain management — treatments to reduce headaches, neck pain, and inflammation.
  • Massage therapy — helps relax tight muscles contributing to headache pain.
  • Cold or heat therapy — reduces swelling and muscle tension in the neck.
  • Cognitive rest — avoiding overstimulation to help reduce confusion, dizziness, and concentration issues.

These injuries may include muscle strains, sprains, and ligament injuries that may require an MRI to diagnose.

Symptoms

  • Pain and tenderness — soreness in the neck, back, shoulders, or other affected areas.
  • Swelling — inflammation around strained muscles or ligaments.
  • Bruising — discoloration from damaged blood vessels.
  • Stiffness — difficulty moving the injured area.
  • Muscle spasms — involuntary tightening or cramping.
  • Reduced range of motion — trouble bending, twisting, or lifting.
  • Numbness or tingling — often caused by inflammation pressing on nearby nerves.

Treatments

  • Rest and activity modification — avoiding movements that cause increased pain while allowing gentle mobility.
  • Ice and heat therapy — ice reduces swelling; heat relaxes tight muscles.
  • Chiropractic care — helps restore alignment and reduce strain.
  • Physical therapy — targeted exercises to strengthen muscles and improve flexibility.
  • Massage therapy — reduces tension and improves circulation.
  • Pain management — strategies to reduce inflammation and discomfort.
  • Supportive bracing — temporary support for strained areas.

These injuries can affect walking, mobility, and daily activities.

Seatbelts usually cause this type of injury. You may experience sprains, strains, rotator cuff injuries, joint damage, or reduced range of motion. Symptoms may be pain, weakness, swelling, or difficulty lifting your arm.

Otten occurs during side-impact and front-end collisions. The force can cause sprains, fractures, tendon injuries, bruising, or damage to the joints and soft tissues of the feet and ankles. These injuries can make standing, walking, and driving difficult.

Hand, elbow, and wrist injuries occur as occupants instinctively brace for impact.

This can cause

  • sprains
  • fractures
  • dislocations
  • tendon injuries
  • soft tissue damage

What No-Fault Insurance Covers (And What It Doesn’t)

What it covers

  • Medical Expenses – Hospital visits, surgeries, rehabilitation, physical therapy, medications, and doctors visits.
  • Lost Wages – If your injuries prevent you from working, PIP may cover a portion of your lost income.
  • Essential Services – Coverage may extend to household help if you’re unable to perform tasks like childcare, cleaning, or yard work due to your injuries.
  • Funeral Costs – In the unfortunate event of a fatal accident, some no-fault policies provide death benefits to help with funeral and burial expenses.
  • Passenger Coverage – Injured passengers in your vehicle are also covered under your no-fault policy.

 Doesn’t Cover

  • Accidents Outside Policy Scope – Coverage may be limited or excluded if the accident happens while driving for work (like ridesharing) or in another state.
  • Vehicle Damage – Repairs to your car are not included. You’ll need collision or property damage liability coverage for that.
  • Non-Economic Damages – Pain, suffering, and emotional distress are typically not covered unless your injuries meet a serious threshold defined by state law.
  • Property Damage – Damage to someone else’s vehicle, fence, or mailbox won’t be covered by your PIP.
  • High Wage Replacement – PIP usually covers only a percentage of lost wages and often has a cap, leaving high earners undercompensated.

States With Mandatory No-Fault Coverage

Not every state follows the no-fault system. If you live in one of these states, you can typically see a no-fault doctor after a car accident and have your treatment billed directly to your auto insurance. 

No-Fault pays 80% of reasonable and necessary medical expenses and 60% of lost wages, up to your policy limit, regardless of who caused the accident.

To use your PIP benefits, you must see a doctor within 14 days of the crash. Covered services may include

  • Emergency room care
  • Chiropractic treatment
  • Doctor visits
  • Physical therapy
  • Diagnostic imaging
  • Medically necessary treatment

If your injuries are serious or your medical expenses exceed your PIP coverage, you will be able to pursue the at-fault driver’s insurance.

Every driver must carry at least $10,000 in coverage. No-fault pays for reasonable and necessary accident‑related medical expenses for you and your passengers.

This includes:

  • Emergency care
  • Follow‑up doctors visits
  • Rehabilitation
  • Some related expenses depending on the policy

Kansas mandates a broader package than most states. Minimum benefits include:

  • Medical expenses: $4,500
  • Lost wages: Up to $900/month (85% of gross income)
  • Rehabilitation: $4,500
  • Funeral expenses: $2,000

These benefits apply for reasonable and necessary treatment within two years of the accident.

Kentucky requires $10,000 in benefits per person, per accident, on all motor vehicles except motorcycles. These benefits cover economic losses regardless of fault, including:

  • Medical expenses
  • Lost wages (up to ~$200/week; calculated as ~85% of gross income due to tax adjustment)
  • Replacement services
  • Funeral expenses (up to $1,000 included in the $10,000 cap)

No Fault pays for reasonable and necessary crash‑related expenses, including:

  • Medical bills (up to $8,000)
  • 75% of lost wages
  • Replacement services
  • Passengers in your vehicle are also covered.

Michigan No Fault covers three major benefit categories:

  • Medical expenses — hospital care, surgery, rehab, prescriptions, medical equipment, in‑home nursing. and doctors visits.
  • Wage loss — paid at 85% of gross income.
  • Replacement services — up to $20/day for household tasks you can’t perform.

Michigan Medical Levels

Drivers must choose one of the following medical tiers:

  • Unlimited (default if no choice is made)
  • $500,000
  • $250,000
  • $250,000
  • $50,000 
  • Opt‑out ($0) — only if all household members have Qualified Health Coverage

New Jersey requires at least $15,000 in coverage per person, per accident. This coverage automatically increases up to $250,000 for severe or permanent injuries.

New York no fault provides basic economic loss up to $50,000, including:

  • Medical expenses: 100% of reasonable and necessary treatment (ER, surgery, rehab, diagnostics, prescriptions, doctors visits).
  • Lost wages: 80% of earnings, capped at $2,000/month for up to 3 years.
  • Other expenses: Up to $25/day for transportation, household help, childcare, etc.
  • Death benefit: $2,000 to the estate

North Dakota mandates $30,000 in coverage per person. This pays for:

  • Medical expenses
  • Lost income
  • Replacement services 
  • Funeral expenses

Under ORS 742.520, every Oregon auto policy must include at least $15,000 in no-fault coverage per person. Required benefits include:

  • Medical expenses: Up to $15,000
  • Lost income: 70% of gross wages, capped at $3,000/month for up to 52 weeks.
  • Essential services: Up to $3,000 for household tasks you cannot perform; up to 52 weeks, capped at $30/day.
  • Funeral benefits: Up to $5,000.

Pennsylvania is a choice state, and Personal Injury Protection (PIP) is mandatory, but only for medical benefits. Drivers must carry at least $5,000 in first‑party medical coverage.

Utah requires at least $3,000 in no-fault medical benefits on every auto policy.

Advantages of Treating with a No-Fault Doctor

No Fault Doctor near me
  • Accepts Auto Insurance: These doctors are familiar with no-fault auto accident coverage. They also work with attorneys.
  • Does the billing for you: The Doctors office does all the medical billing for you. You don’t have to worry about any bills, you can just focus on getting better and recoverying.
  • No Upfront Costs: Patients don’t have to delay treatment due to cost. Treatment is provided by our doctors on the same day in most cases. Billing is handled directly with the auto insurance company.
  • Specialized Care for Auto Injuries: No-fault doctors understand the mechanics of car accident injuries. These injuries are very different than sports or other types of injuries.
  • Documentation: Beyond treatment, no-fault doctors provide detailed medical records that attorneys rely on for your personal injury case.
  • Works with Attorneys: Your doctor works with attorneys everyday. If you have an attorney, the doctor will share your progress and any medical needs that you may have.

Frequently Asked Questions

A No Fault doctor is a doctor that specializes in treating car, semi-truck, commercial, and motorcycle accident injuries and bills the auto insurance company. They work directly with your insurance company so you don’t have to worry about any up-front cost.

No, you can call the doctor directly and make an appointment

As soon as possible. Some States have time limits for which to see a doctor. We recommend you come in as soon as you can.

Yes, it will cover your medical treatment up to the ammount written on the policy.

It does not matter who was at fault for the accident. No-fault was designed for you to be able to see a doctor while waiting for liability to be determined. 

Yes, chiropractors treat soft tissue injuries and the majority of injuries suatained in accidents are soft tissue.

Yes, our Doctors order imaging

You do not need an attorney to see a doctor. You may need one if your treatment cost exceeds the policy limit or you meet certain injury thresholds.

Yes. An emergency room visit is only the first step. Most ERs stabilize your immediate injuries but do not provide ongoing rehabilitation. A no-fault doctor can develop a treatment plan, monitor your recovery, and coordinate additional care if needed.

Your first visit includes

  • Comprehensive medical history
  • Physical examination
  • Discussion about your accident
  • Range-of-motion testing
  • Neurological evaluation
  • Diagnostic imaging

AccidentDoctor.org makes it easy to locate a doctor who treat auto accident injuries. Simply search by your city or ZIP code to find a doctor near you and request an appointment.

Find a No-Fault Doctor near you

Finding a no-fault doctor can be difficult if you do not know what to look for. That’s why we have made this an easy step for you to take. Just click on the button below and enter your zip code. If we do not have a doctor listed near you, contact us, and we will find you one.

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