NEW YORK NO-FAULT (PIP) – PRACTICAL STEP-BY-STEP FOR YOU

Important: We are not representing you on the no-fault claim. Use this to protect your benefits and deadlines.

1. Figure out the correct insurance (do this first)

No-fault usually goes through:

1. The car you were in

2. Your own auto policy (household)

3. The car that hit you (if pedestrian/bike)

4. MVAIC (hit-and-run / no insurance)

If unsure, call any involved carrier and ask:
“Who is the no-fault carrier for this accident?”

2. Get and file the NF-2 immediately (30-day deadline)

Get the form from:

• New York State Department of Financial Services (search: “NF-2 PDF”)

• The insurance company (ask them to email it)

What to do:

1. Fill it out same day

2. Be consistent with the accident details and injuries

3. Send it within 30 days of the accident

How to send (do at least one with proof):

• Email (ask for correct email)

• Fax

• Certified mail (best for proof)

Keep: copy + proof + date sent

3. Get your claim number and adjuster

After sending NF-2:

1. Call the insurance

2. Ask for:

• Claim number

• Adjuster name + phone + email

Write this down. You will use it for everything.

4. Give claim info to ALL providers

Tell every provider:

“Please bill no-fault. Here is my claim number.”

Give it to:

• Hospital

• Doctors

• Physical therapy

• MRI / imaging

• Pharmacy

• Any specialist

5. Follow up on medical billing (don’t assume)

Providers must submit bills within 45 days.

You should:

1. Call each office

2. Ask:
   “Did you submit my bill to no-fault? When?”

3. Keep notes

If they miss the deadline, insurance may deny.

6. If you missed work (lost wages)

Ask insurance for:

• Wage verification forms

You need:

1. Doctor note taking you out of work

2. Employer confirmation

3. Pay stubs / tax returns

Submit within ~90 days

7. Keep treating consistently

Insurance cuts off treatment if:

• You stop going

• Big gaps in care

• Records don’t connect to accident

• Doctor notes are weak

At every visit, make sure chart includes:

• Accident date

• Injuries

• Pain level

• Work limitations

8. IME (insurance doctor exam) – do NOT miss

You may be scheduled for an IME.

Rules:

1. Go to it

2. Bring ID

3. Be honest

4. Don’t exaggerate

5. Write down what happened after

Missing IME = automatic denial risk

9. Watch your mail and email

Look for:

• Requests for forms

• IME notices

• Denial letters

Open everything immediately

10. If something gets denied

Ask for the denial in writing.

Common reasons:

• Late NF-2

• Missed IME

• Late bills

• “No medical necessity”

Then:

1. Ask your provider if they will handle it

2. Consider hiring a no-fault attorney

3. Keep all documents

11. Keep one organized file

Save everything:

• NF-2 + proof of sending

• Claim number + adjuster info

• Medical records

• Bills

• Wage documents

• IME notices

• Denials

12. Simple rules to remember

1. NF-2 within 30 days

2. Doctors bill within 45 days

3. Lost wages within 90 days

4. Never miss IME

5. Keep proof of everything