The answer to this question will depend on what type of health insurance coverage you have. However, it is essential to remember you will be liable for any deductibles and copays, which could be significant and add up over time. In addition, health insurance will not cover things like pain and suffering or tutoring and other special accommodations if your child cannot attend school while recovering. It also won’t cover any income you have lost because you need to stay home and care for your child. Working with a New York City child injury lawyer will ensure you get fair compensation for all of your child’s losses in addition to what may or may not be covered by health insurance.