The way you handle denials based upon lack of medical necessity is to dispute the denial in No Fault arbitration or litigation. There are New York attorneys who practice in this area of the law, such as myself, who can help you dispute these denials.
I am so sorry to hear about your daughter's accident. If the airbags were to deploy and they didn't and the lack of deployment caused your daughter's injuries, then there may be an action against the manufacturer of the vehicle. In addition, if your daughter was involved in an accident with another vehicle and that driver was negligent, she would have an action against the driver of the offending vehicle. The first thing is to make sure that all of the No Fault coverage available to her is...
Yes. You can access the New York State Unified Court System online. I have provided the web address below. You search the Civil Supreme by party name (you can enter your name, your wife's name, or both). If an action has been filed, you will be able to obtain the index number. Also, if she has filed for divorce, you should have been properly served with a copy of the summons within 120 days of the filing of the index number.
Go to the courthouse where the summons and complaint was filed and ask the clerk to give you a pro se answer. At the very least, before you even think of negotiating with the Plaintiff, file and serve a timely answer so that you preserve all of your rights. If the claim is large enough, you may want to think about having an attorney represent you.
Was this separation made into an agreement on file with the court or an oral agreement? If oral agreement, get your terms down in writing, signed and filed with the court. If you have not been co-habitating for the past year or more, you could look into filing for a divorce based upon the grounds of abandonment..
In order to protect yourself and your personal assets, it is highly recommended that you incorporate. You must also obtain an operating certificate from the Board of Health.
You don't want to be in a situation where someone claims to have gotten sick from your cookies and you are deemed personally liable for medical costs and pain/suffering. That being said, you should be looking into purchasing liability insurance for your company once it is properly set up.
You can consult a lawyer before seeing a doctor, but the lawyer won't be able to advise you on whether your case is "solid" until she or he has a copy of the police accident report and, at the very least, a copy of the MRI report to review. If you have not contacted the driver's insurance carrier to make a claim for your no fault benefits, you need to do that as soon as possible (within 30 days of the date of accident), or you risk losing any No Fault benefits to which you are entitled.