Key New York no-fault deadlines
New York DFS materials explain that no-fault claims involve short timeframes. A late notice, late medical bill, or late wage submission can become a reason for an insurer to contest benefits.
What New York no-fault may cover
According to DFS consumer materials, basic New York no-fault benefits may include medical and rehabilitation expenses, lost earnings, and other reasonable and necessary accident-related expenses, subject to statutory limits and policy terms.
Medical treatment
Hospital care, physician services, therapy, diagnostic testing, and related treatment may be submitted through no-fault when tied to the covered accident.
Lost earnings
DFS materials describe lost wage benefits as 80% of lost earnings, up to $2,000 per month, generally for up to three years from the accident date.
Other expenses
Reasonable and necessary expenses, such as transportation to medical treatment or household help, may be available within applicable limits.
Provider bills
Medical providers may pursue unpaid or denied bills where they have a valid assignment of benefits or other enforceable right to payment.
When a no-fault lawyer may be useful
A New York no-fault lawyer may help evaluate denial reasons, organize claim documents, respond to insurer verification issues, file arbitration, or coordinate no-fault disputes with any separate bodily-injury claim.
- You received an NF-10 denial or partial denial.
- The insurer requested verification, an independent medical examination, or an examination under oath.
- Medical bills are unpaid, reduced, or denied.
- Lost wage benefits were delayed, cut off, or denied.
- You are a provider with repeat denials or underpayments.
New York no-fault guides
Denied claim
What to check when a no-fault benefit or provider bill is denied.
Read guideNF-10 denial
How to read the denial form and understand what it is saying.
Read guideArbitration
How New York no-fault disputes may move through arbitration.
Read guide