Fracturas y Huesos Rotos

Yes. Traumatic fractures resulting from accidente de vehículo motorizados are covered under Nueva York State Sin Culpa insurance. MAIC provides X-ray and CT imágenes, ortopédico consultation, and all associated documentación. We manage all Sin Culpa authorization and billing.

Digital X-ray in multiple views is the primary tool for fracture identification and characterization — documenting location, type, displacement, and alignment. CT scanning is used for complex fractures requiring 3D anatomical assessment. MRI is used when associated soft tissue pathology, bone marrow edema, or cartilage damage needs characterization beyond X-ray.

The causalidad narrative documents the specific mechanism of injury and its biomechanical relationship to the fracture pattern — for example, dashboard impact producing anterior femoral condyle fracture, or fall on outstretched hand producing distal radius fracture. This mechanism analysis, combined with the temporal relationship between accident and presentation, establishes the causal link requerido for the PI claim.

Yes. When fractures result in permanent functional impairment — post-traumatic arthritis, malunion, hardware complications, ROM limitation — our ortopédico team issues formal evaluación de discapacidads at maximum medical improvement using the AMA Guides. These ratings are essential for quantifying permanent damages in both civil PI and Sin Culpa claims.

Yes. MAIC is a NYS NYS-licensed provider accepting Sin Culpa for fractures sustained in workplace accidents. We provide MTG-compliant tratamiento protocols and WCB-formatted reports for all WC fracture cases.