Plastic Surgery

Does Insurance Pay for Plastic Surgery After a Car Accident?

Yes. New York No-Fault insurance will pay for plastic surgery when you need plastic surgery because of an injury from a car accident. No-Fault insurance must pay to repair or restore your medical condition and cosmetic appearance to what it was before your car accident.

Don’t pay your plastic surgeon upfront and lose thousands of dollars!

Does Insurance Pay for the Entire Plastic Surgery Bill?

It may. No-Fault insurance will not pay for cosmetic surgery that is in addition to or not to restore your appearance to what it was before your car accident.

Examples of Plastic Surgery Insurance Will or Will Not Pay For

  1. You broke your nose, and your nose looks different than it did before your accident. Insurance will pay for surgery to repair your broken nose and also to restore the look of your nose to what it was before the accident.
  2. You broke your nose, and your nose looks the same as it did before your accident, but you always wanted a nose job, and now is a good time to do that since the plastic surgeon will already have to do most of the work. Insurance will pay for the repair of your broken nose, and you will have to pay the difference to change the look of your nose. Insurance will pay most of the bill, but you will likely pay 20-30%.
  3. Your breast implant leaked when you were in a car accident. No-Fault insurance must pay to replace both breast implants of the same size.
  4. Your breast implant leaked when you were in a car accident, and you want to replace them with larger breast implants. No-Fault insurance will pay for the cost to replace both breast implants with the same size, and you can pay the plastic surgeon the difference in cost for larger breast implants.

When Will No-Fault Insurance Will Pay For Plastic Surgery?

No-Fault insurance in New York will pay for plastic surgery for the following types of accidents:

  • A Driver or passenger in a car accident with two or more vehicles.
  • A Driver or passenger in one car accident.
  • A Driver who unintentionally caused the car accident.
  • Anyone getting in or out of a parked car or taxi.
  • A Bicyclist hit by a car.
  • A Pedestrian hit by a car.
  • A Pedestrian hit by a motorcycle.
  • A passenger in a bus accident.

When Will Insurance Will Pay For Plastic Surgery?

If you were not injured in one of the accidents mentioned above and need plastic surgery because of any other type of accident, there may be insurance coverage to pay for plastic surgery, if a person or company was negligent in causing your accident.

If there is no medical insurance available from a person or company who was negligent in causing your accident, their liability insurance will pay for your plastic surgery when your case is settled.

You may have your own health insurance, Medicare or Medicaid that will pay for your plastic surgery when you need it.

You may want to consider getting a cash advance from your future personal injury settlement to pay for plastic surgery. Read about borrowing money against your personal injury case.

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Do I Have to Pay a Plastic Surgeon Upfront and Get Reimbursed By No-Fault Insurance?

No. However, in New York, plastic surgeons do not accept No-Fault insurance, so your plastic surgeon will want you to pay thousands of dollars upfront. But there is a way to get your plastic surgeon to accept No-Fault insurance, so you do not have to pay thousands of dollars upfront out of your pocket for plastic surgery.

Unfortunately, your personal injury lawyer may not know how to get your plastic surgeon to accept New York No-Fault insurance, but we do.

Will No-Fault Insurance Reimburse Me for Plastic Surgery?

Not entirely. If you pay upfront out of your pocket for plastic surgery, you will only be partially reimbursed. You will not be reimbursed for the full amount you paid for plastic surgery. You will likely lose thousands of dollars.

How Much Will No-Fault Insurance Reimburse Me for Plastic Surgery?

For example, your plastic surgeon might want you to pay $10,000 upfront for plastic surgery to repair your broken nose after a car accident, but No-Fault insurance may only reimburse you $3,000, and your surgery will cost you $7,000!

This is why you must get your plastic surgeon to accept No-fault insurance. When your plastic surgeon accepts No-Fault insurance, your plastic surgeon will be paid in full, and you will not be responsible to pay any money, even if your plastic surgeon wanted to be paid more.

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How to Pay for Plastic Surgery When I Had a Car Accident

When you have a car accident in New York and need plastic surgery or treatment from a plastic surgeon because of a broken nose, scar, or any other reason, you must get your plastic surgeon to accept an assignment of your New York No-Fault insurance claim.

When your plastic surgeon accepts an assignment of your New York No-Fault insurance claim, you do not need to pay a plastic surgeon upfront, and you will not be responsible to pay a balance or the difference between what your plastic surgeon wants to be paid and what No-Fault insurance paid.

What to Do When a Plastic Surgeon Will Not Accept No-Fault Insurance

The problem is how to get your plastic surgeon to accept payment from no-fault insurance. We can get your plastic surgeon to accept your no-fault insurance because we can get a guarantee for your plastic surgeon that he or she will get paid from No-Fault insurance.

Many personal injury lawyers do not know how to get a plastic surgeon to accept No-Fault insurance. But we have had many car accident cases where our clients needed plastic surgery, and we have always been able to get the plastic surgeon to accept New York No-Fault insurance, so our clients didn’t have to pay anything upfront.

Many of our clients who needed plastic surgery from a car accident came to us when their personal injury lawyer was unable to get their plastic surgeon to accept No-Fault insurance and recommended that they borrow the money at very high-interest rates. Read about borrowing money against your personal injury case.

We can probably get you treated by most plastic surgeons in New York, but we can also get you treated by a well-known plastic surgeon in Great Neck who will accept No-Fault for any kind of plastic surgery treatment such as lacerations, scar revision, surgery for a broken nose, or any other type of treatment for which you need a plastic surgeon.

If you need treatment by a plastic surgeon for a broken nose or other injuries from a car accident and you need a car accident lawyer, we will arrange to get your plastic surgery treatment paid for by No-Fault insurance.

We will file your No-Fault claim and your No-Fault application, handle all of your No-Fault billing issues, and represent you for your disability payments at no charge! 

You must file a No-Fault application within 30 days of the date of your car accident, and it can sometimes be difficult and take time to determine the correct No-Fault insurance company, so don’t wait.

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Will Insurance Pay For Plastic Surgery on My Face After a Car Accident?

Yes. New York no-fault insurance will pay for the following types of plastic surgery on your face or any other part of your body because of a car accident:

  • Broken nose
  • Lacerations
  • Scar revision surgery
  • Laser treatments on your face
  • Any kind of treatment from a plastic surgeon

New York no-fault insurance will pay for any kind of treatment from a plastic surgeon, not just surgery. For instance, No-Fault will pay for laser treatments.

We had a client who had burn abrasions on her face from an airbag when she ran off the road and had a car accident. She had large brown marks on one side of her face.

She went to a plastic surgeon to get several laser treatments to help heal her face and remove the brown marks. We got her plastic surgeon to accept New York no-fault insurance as payment for the treatment, so she did not have to pay any money upfront for the plastic surgeon’s treatment.

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How to Pay for Plastic Surgery When You Had an Accident That Was Not a Car Accident

When you need plastic surgery or treatment from a plastic surgeon, there are several options to get money to pay your plastic surgeon, so you don’t have to pay out of your pocket.

If you have health insurance, your health insurance will pay for treatment by a plastic surgeon.

If you were injured because of someone else and/or a company, their insurance policy may have medical payments coverage that could pay for your plastic surgeon. The advantage of medical payment coverage is that the money is available to you immediately and negligence is not needed to obtain reimbursement of the cost of treatment by a plastic surgeon.

If you were injured because of the negligence of someone else and/or a company and their insurance policy does not have medical payments coverage, they are still responsible to pay for your injury and medical costs. That money will be reimbursed to you from their liability insurance (not medical payments coverage) although you won’t receive that money for a while.

You can “borrow” the money by obtaining a lawsuit cash advance to pay for your medical treatment. A “loan” is beneficial because you won’t need to come up with the money out of your pocket.

The interest rate charged for a lawsuit cash advance is very high, but we have an agreement with a company to get you a rate that is substantially less than what other companies charge. Read more about getting money with a lawsuit cash advance. Additionally, if there is enough liability insurance, the defendant will be responsible to reimburse you for the amount advanced and the interest.

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If I Need Plastic Surgery After an Accident, Is That a Serious Injury?

Yes. If you need plastic surgery after an accident, you have a serious injury that is probably worth a lot of money, and we want to represent you!

Why You Need Plastic Surgery After an Accident

Injury from an accident causing a scar or, worse, disfigurement will alter your appearance permanently. Accompanying physical injury is often mental injury.

Even small scars can produce permanent and daily life-altering mental strain. While plastic surgery should improve your appearance, it will not restore your appearance to what it was before your accident.

You may feel as if your identity has been changed in a negative way, resulting in a mental condition called dysphoria, body dysphoria, or body dysmorphic disorder.


Men suffer from emotional distress as well as women. This scar on a man’s lower back makes him very self-conscious and causes substantial emotional distress, even though it’s not always visible.

scar from laceration on lower back

The injured victim may relive the accident and/or the resulting injuries on a daily basis which is called posttraumatic stress disorder. Someone with dysphoria will experience debilitating discomfort with the newly altered and unwanted appearance leading to depression and behavioral changes including frustration, rage, anxiousness, and other feelings.

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When Do You Need Plastic Surgery Because of an Accident?

Why Plastic surgery or reconstruction surgery may be needed after trauma

  • To correct a facial or body disfigurement,
  • To prevent a scar from forming,
  • For scar revision surgery to eliminate a scar that has already formed,
  • To repair an injury where a scar could be caused.

Common injuries from accidents requiring plastic surgery

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How to Avoid or Reduce Scarring When Injured in an Accident

If you had an accident and a doctor in the hospital emergency room says you need sutures,  stitches, or staples, tell the doctor that you want a plastic surgeon. You may be told that a plastic surgeon is not in the hospital at that moment. However, the hospital can call a plastic surgeon to come in.

You may have to wait another few hours, but a plastic surgeon will either prevent a scar from forming or substantially reduce the scar.

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Phil Franckel is well-known in New York and has been a personal injury lawyer since 1989. He is a Founding Partner of 1-800-HURT-911, LLP®, the Personal Injury Dream Team™, and a former Member Board of Directors of the New York State Trial Lawyers Association. He has an Avvo Top 10  Rating, Avvo Client’s Choice Award with all 5-star reviews, Avvo Top Contributor Award, Multi-Million Dollar Trial Lawyers Award, and others. See Mr. Franckel’s bio for areas of expertise.

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Philip L. Franckel, Esq. is one of the HURT911® Dream Team™ Founding Partners at 1-800-HURT-911® New York; He has a 10 Avvo rating; Avvo Client’s Choice with all 5-star reviews; Avvo Top Contributor; and a former Member of the Board of Directors of the New York State Trial Lawyers Association.

1-800-HURT-911® Founding Partner and Personal Injury Lawyer Rob Plevy, Esq.

Founding Partner Rob Plevy, Esq.

Robert Plevy, Esq. is one of the HURT911® Dream Team™ Founding Partners at 1-800-HURT-911® New York. Rob began his legal career in 1993 as an Assistant Corporation Counsel defending The City of New York against personal injury lawsuits.

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