There is every chance in the world that any liability insurer will treat the development of COVID-19 as not related to your initial injury. They will argue that, given the outbreak, the sickness did not occur in relation to the negligence that initially caused it. Therefore, the insurer will attempt to avoid paying for treatment costs specifically related to COVID-19 or other illnesses.
This risk means that you must track every penny of healthcare spending closely. You may need to audit costs to separate injury treatment from the costs of treating your separate, allegedly unrelated illness. You must also continue to seek follow-up treatment for your injury to avoid the possibility that insurers will reduce or deny coverage because you allegedly worsened your own outcome.
Insurance claims are going to be complex, to put things mildly, so the services of an experienced Long Island personal injury attorney may be needed. Hiring a lawyer means you have someone who can review the language of your policy, fight for the full amount of coverage possible, and help you separate covered and uncovered costs in the event that the insurer refuses to provide reasonable coverage for COVID-related treatment expenses.