Your Step-by-Step Complete Guide to No-Fault insurance in New York

If you’ve been injured in a car accident in New York, navigating the no-fault insurance system can feel overwhelming. Here is a step-by-step guide to help you protect your rights, file your claim, and access the medical care you need.  

• Move to Safety if Possible: After the accident, prioritize safety. Move to the side of the road if it is safe to do so, and call 911 to report the accident.  
• File a Police Report: A police report is critical for documenting the incident, even for minor accidents. This report will be required when filing your no-fault insurance claim.  

• Even if your injuries seem minor, seek medical attention as soon as possible. Symptoms like whiplash or back pain may not appear immediately but can worsen over time.  
• Visit a No-Fault Authorized Provider: Ensure the doctor or facility you visit is authorized and experienced to handle no-fault insurance cases in New York. Our partner practice, New York Sports Spine Pain Medicine, specializes in car accident injuries and works directly with no-fault insurance providers.  

• File a No-Fault Application (NF-2 Form): You must file this form with your insurance company within 30 days of the accident to secure no-fault benefits.  
• Include All Relevant Information: Provide details about the accident, your injuries, and the medical care you’ve received. Missing the deadline can jeopardize your claim.  

Download the NF-2 Form from the New York Department of Financial Services (DFS): https://www.dfs.ny.gov/system/files/documents/2019/01/nofault_2.pdf

• Accident Details: Keep copies of the police report, photos of the accident scene, and contact information for witnesses and other parties involved.  
•  Medical Records: Maintain detailed records of doctor visits, treatments, prescriptions, and diagnostic tests.  
• Receipts and Bills: Track all accident-related expenses, including transportation to medical appointments and co-pays, as they may be reimbursable.  

• Adhere to Your Treatment Plan: Attending all follow-up appointments and completing physical therapy or pain management programs demonstrates that you’re actively addressing your injuries.  
• Work with Specialists: Injuries like whiplash, fractures, or joint pain may require specialized care, such as interventional pain management or rehabilitation therapy.  

• File Additional Claims: If the cost of your treatment exceeds your no-fault coverage, discuss options with your insurer.  
• Understand Policy Limits: No-fault insurance in New York typically covers up to $50,000 in medical and lost wage benefits.  

•   If your claim is denied or disputed, consider consulting a no-fault attorney who specializes in New York cases to protect your rights and secure your benefits.  

• Delaying Medical Care: Prompt treatment is critical for both your health and your no-fault claim.  
• Missing Filing Deadlines: The NF-2 form must be submitted within 30 days of the accident.  
• Providing Incomplete Information: Ensure your form is accurate and complete to avoid delays in processing.  

• Medical Care: Doctor visits, diagnostic imaging (MRIs, X-rays), physical therapy, and pain management.  
• Lost Wages: Up to 80% of your lost income, capped by your policy limits.  
• Transportation Costs: Reimbursement for travel to and from medical appointments.  

At New York Injury Education, we simplify the no-fault claims process by connecting you the experienced administrative and clinical team at New York Sports Spine Pain Medicine. Contact us today for expert care and guidance after your car accident.