What you need to know about No-Fault insurance after a car accident in New York State.
The No-Fault Application
The No-Fault application must be filled out and returned to your No-Fault insurance carrier within 30 days of the accident (make a copy). Failure to do this will result in your benefits being denied. This should be done by certified mail/return receipt requested.
The No-Fault Claim Number
You must tell each healthcare provider that you are a No-Fault client and give that party your carrier and No-Fault claim number. Do not use any other insurances!
Bills for Healthcare
All bills for healthcare must be submitted to your No-Fault carrier within 45 days of the date of service or they will be denied. Lost wages claims must be submitted within 90 days.
Other Necessary Expenses
"Other Necessary Expenses", including, but not limited to, travel expenses to and from physician's office(s) and/or other healthcare providers, must be sent to your No-Fault carrier within 45 days of the date of service, or they will be denied.
Private Heath Insurance
If you have private health insurance, it will not come into play in your case. All bills must be billed to the No-Fault insurer.
Independent Medical Exams and Examinations Under Oath
You must attend Independent Medical Exams (IMEs) and Examinations Under Oath (EUOs) when requested by your No-Fault insurance carrier. Failure to do so will result in all of your No-Fault benefits being denied back to the date of the accident. You are then personally responsible for those bills.
The No-Fault Doctor
Be aware that the No-Fault doctor is generally an adversary. The insurance company pays him.
The No-Fault Exam
At the No-Fault exam, do not minimize your injuries or how you have been affected by them. If the doctor tells you to move a certain way and you cannot, tell him so. If it hurts, tell him.
Time the Exam
Note how long the exam takes. Time it.
Make Written Notes
When the exam is over, make written notes as to what the doctor did and how long it took.
The No-Fault Examination
Keep in mind that the general purpose of the No-Fault examination is so that the insurance company PAYING for your treatment can determine whether or not you are still in need of further treatment, and whether they should keep paying for same.
Denied No-Fault Bills
If your No-Fault bills are denied, have your doctor keep submitting the bills to the No-Fault carrier. Only bills that have been submitted and denied can be the subject of a No-Fault arbitration challenge. Our office handles No-Fault denials for healthcare providers. Please let your treating doctors know.
Continue Treatment after a No-Fault Denial
You can continue treatment after a No-Fault denial. We fight to get your healthcare provider's bills paid at no cost to you!
Our Rating is calculated using information the lawyer has included on
their profile in addition to the information we collect from state
bar associations and other organizations that license legal
professionals. Attorneys who claim their profiles and provide Avvo
with more information tend to have a higher rating than those who do
What determines Avvo Rating?
Experience & background
Years licensed, work experience, education
Legal community recognition
Peer endorsements, associations, awards
Legal thought leadership
Publications, speaking engagements
This lawyer was disciplined by a state licensing authority in .
Disciplinary information may not be comprehensive, or updated. We recommend that you always check a lawyer's disciplinary status with their respective state bar association before hiring them.