Is New York a no-fault insurance state?

Yes. New York is a no-fault state, meaning your own auto insurance pays for medical bills and lost wages after a covered accident, regardless of who caused it, up to the policy's PIP limit.

What is AAA no-fault arbitration in New York?

AAA arbitration is the mandatory forum for disputing denied or underpaid New York no-fault claims. A neutral arbitrator reviews the file and issues a binding award, typically faster and cheaper than court.

Who do you work with?

We support NYC law firms, medical providers, billing companies, and individual claimants on no-fault arbitration files, IME and peer review rebuttals, fee-schedule defenses, and Workers' Compensation coordination — in English and French.

Reversing an IME No-Show Defense on a $14,200 PT Claim

The Problem

The carrier issued a global denial citing an IME no-show. The clinic had assignment of benefits but no proof the IME notices were properly mailed.

Recovery Strategy

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Our Approach

Subpoenaed the carrier's IME scheduling file
Compared notice dates to USPS tracking and certificate of mailing
Built a verification timeline showing notice was sent to an outdated address
Filed AAA arbitration with a defect-by-defect rebuttal package

The Result

Arbitrator found notice defective under 11 NYCRR §65-3.5. Full $14,200 awarded, plus statutory interest and attorney's fee.

Key Takeaways

Always pull the carrier's actual mailing proof — don't accept the cover letter at face value
Address-of-record errors are still one of the most overturnable IME defenses

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Reversing an IME No-Show Defense on a $14,200 PT Claim

The Problem

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