“The wound is the place where the Light enters you.”
~ Rumi
All the mental health care, none of the insurance hassle.
Car accidents don’t just damage vehicles… they can leave lasting mental and emotional scars.
If you’ve been in a motor vehicle accident, the last thing you need is to wade through insurance forms and legal jargon. No-Fault insurance exists to make sure you get the aftercare you need without worrying about who was at fault.
At Counseling with Compassion, we specialize in no-fault mental health evaluations and treatment. We know the system inside and out so we can take care of the details so you can focus on your recovery. From your initial evaluation to ongoing therapy, we make sure your treatment is covered, your paperwork is handled, and your healing stays front and center.
We work with most insurance plans
What is No-Fault insurance?
No-fault insurance is coverage that pays for your medical expenses after a car accident, regardless of who caused the crash.
Instead of waiting for fault to be determined or going through lengthy legal battles, your own auto insurance policy covers the costs of care up to your policy limit. In New York, every driver is required to carry no-fault coverage as part of their auto insurance policy – which means you already have this protection.
Most people know that no-fault covers things like emergency room visits, X-rays, and physical therapy. What they don’t realize is that mental health treatment is also covered. If you’re experiencing anxiety, depression, PTSD, or any other psychological effects from your accident, your no-fault benefits can pay for therapy sessions, psychological evaluations, and ongoing mental health treatment, so you can focus on healing without worrying about the bill.
How does the process work?
Getting no-fault mental health coverage doesn’t have to be complicated. Here’s how we make it simple:
Contact Us
Call or fill out our form to schedule your initial evaluation. You don’t have to call your insurance company first, we’ll do that for you.
Initial Evaluation
You’ll meet with one of our licensed psychologists for a comprehensive assessment. We’ll document how the accident has affected your mental health and determine what treatment you need. This evaluation is submitted directly to your insurance company.
Treatment Authorization
We work with your insurance company to get your treatment approved. We know exactly what documentation they need and how to present your case for the best outcome. Most authorizations are approved within days, not weeks.
Begin Therapy
Once approved, you start working with your therapist. We handle all the billing and insurance coordination in the background, so you never have to submit claims or chase reimbursements.
Ongoing Care
If you need extended treatment, we manage all the renewal paperwork and communicate with your insurance company to ensure continuous coverage.
We coordinate directly with your insurer so you don’t have to chase down authorizations, file complex forms, or negotiate over coverage. Our job is to keep the process moving so you can focus on your recovery.
What Does It Cover?
Your no-fault insurance covers a wide range of mental health services related to your accident, including:
- Psychological evaluations to document your symptoms and treatment needs
- Therapy sessions for conditions like PTSD, anxiety, depression, or adjustment disorders
- Specialized trauma treatments such as EMDR or somatic therapy
- Support for phobias or fears that develop after the accident, like driving anxiety
- Medication management and monitoring when needed.
- Crisis intervention or emergency mental health support if you’re in acute distress
- Ongoing care to help you return to daily life with confidence and stability
Coverage typically lasts up to one year from the date of the accident (or until you reach your policy limit), but we’ll track your benefits and manage renewals if extended care is needed. Your insurance company can’t deny coverage simply because your injuries aren’t visible. Mental health care is just as essential as physical rehabilitation.
How Therapy Helps
Every accident leaves its own psychological footprint. Some people can’t stop replaying the crash in their minds, while others find themselves avoiding highways, struggling to sleep, or feeling on edge in ways they can’t explain. Whatever form it takes, these reactions are normal and treatable. Here’s how therapy can address the most common accident-related conditions.
PTSD
Car accident PTSD often includes flashbacks while driving, panic attacks when approaching the accident location, or nightmares about the crash. Therapy helps you process the traumatic memory so it stops hijacking your nervous system every time you get behind the wheel.
TRAUMA RESPONSES
The shock of a sudden accident can disrupt your sleep, mood, and ability to focus. Even “minor” accidents can leave you feeling shaky, hypervigilant, or emotionally numb. Therapy helps your nervous system understand that the danger is over, reducing symptoms like startle responses, intrusive thoughts, and difficulty concentrating.
ADJUSTMENT DISORDERS
Struggling to return to normal life after an accident is common. Whether it’s difficulty working, sleeping, or maintaining relationships, therapy provides practical strategies to help you adapt to any changes and rebuild your routine with confidence.
PHOBIAS and FEARS
Many people develop intense fear of driving, being a passenger, or even being near traffic after an accident. Through gradual exposure and anxiety management techniques, therapy helps you reclaim your independence and confidence on the road.
Therapeutic Approaches in No-Fault Care
We tailor every treatment plan to the unique impact your accident has had on your life. That can include:
EMDR (Eye Movement Desensitization and Reprocessing): Highly effective for processing accident memories and reducing their emotional charge. Helps your brain file the traumatic memory properly so it stops feeling like it’s happening now.
Cognitive Behavioral Therapy (CBT): Addresses the anxious thoughts and avoidance behaviors that develop after accidents. Particularly effective for driving anxiety and catastrophic thinking about future crashes.
Exposure Therapy: Gradual, controlled exposure to driving situations or accident-related triggers in a safe therapeutic environment. Build your confidence step by step.
Somatic Therapy: Addresses trauma stored in the body from the physical impact and shock of the accident. Helps regulate your nervous system and reduce physical symptoms.
Mindfulness and Grounding Techniques: Practical tools to manage panic attacks, flashbacks, and hypervigilance. Especially helpful for staying present when anxiety spikes while driving.
Trauma-focused therapy: To process accident memories safely and reduce intrusive thoughts.
Supportive counseling: To help you navigate lifestyle changes, work impacts, or relationship stress after the accident.
All of our approaches are evidence-based and specifically chosen for their effectiveness with accident-related trauma. We’ll recommend the approaches that fit your symptoms, goals, and comfort level, always at your pace, so you get the most benefit from your no-fault coverage.
What You Do VS What We Do
What you do:
Show up to your appointments
Focus on your healing
That’s it.
What we do:
- Handle all insurance communication: We contact your insurance company, submit all required forms, and follow up on approvals
- Manage your paperwork: All the forms, authorizations, and documentation get handled by our team
- Coordinate your care: We schedule evaluations, match you with the right therapist, and track your progress
- Fight for your coverage: If there are any issues with authorization or denials, we advocate for you with the insurance company
- Monitor your benefits: We track your remaining coverage and handle renewal requests before you run out
- Submit all claims: You never have to file a claim or chase reimbursements – we bill directly and handle everything
- Provide expert documentation: We know exactly what insurance companies need to approve and continue coverage
While other practices make you navigate the insurance maze yourself, we take care of every administrative detail so you can focus entirely on getting better. You’ve been through enough. Let us handle the rest.
Getting started with your No-Fault claim
If you’ve been in a motor vehicle accident and are experiencing mental or emotional symptoms, the sooner you start the no-fault process, the better. Here’s how to begin:
Contact us right away.
Call or fill out our online form to schedule your evaluation. We can often see you within a few days.
Bring your accident details.
We’ll need your accident date, insurance policy number and any paperwork you’ve already received from your insurer.
We take it from there.
Once we have the basics, we’ll handle all communication and documentation with your insurance company so you don’t have to.
