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.

Statewide Coverage

New York No-Fault Coverage Areas

Metro No-Fault supports providers and law firms throughout New York State, including all AAA No-Fault hearing regions.

No-Fault arbitration in New York is administered by the American Arbitration Association (AAA) through Forthright. The state is divided into four hearing regions. Metro No-Fault prepares arbitration-ready files for providers and law firms in every region — from Manhattan and the outer boroughs to Long Island, the Hudson Valley, and upstate New York.

NY 01

Region NY 01 — Manhattan

AAA No-Fault hearings for matters arising in Manhattan are administered through Region NY 01.

Manhattan

NY 02

Region NY 02 — Outer Boroughs & Long Island

The highest-volume AAA No-Fault region in the state, covering the outer NYC boroughs and all of Long Island.

Bronx Brooklyn Queens Staten Island Nassau County Suffolk County

NY 03

Region NY 03 — Lower Hudson Valley

AAA No-Fault hearings for Westchester and Rockland claims are administered through Region NY 03.

Westchester County Rockland County

NY 04

Region NY 04 — Rest of New York State

Covers all New York State counties outside of NY 01 – NY 03, including Albany, Buffalo, Rochester, Syracuse and the surrounding regions.

Upstate New York Capital Region Western New York Central New York North Country

How Metro No-Fault assists across all hearing regions

Wherever your claim is filed, the AAA file format is the same: timely NF-2 notice, clean NF-3 billing, complete medical records, proof-of-mailing exhibits, and point-by-point rebuttals of any IME or peer-review report. We prepare that packet for you — whether the hearing sits in Manhattan, Brooklyn, Mineola, White Plains, or Buffalo.

Regional differences matter, though. Carrier IME timing, denial patterns, and arbitrator tendencies vary between NY 01, NY 02, NY 03, and NY 04. Tag every case in the portal with its hearing region and we track recovery rates, carrier trends, arbitrator trends, and issue trends by region so you can see what's working where.

Send us a file from any region

Upload a denial and we'll return an arbitration-ready packet within 5–7 business days, no matter which NY hearing region it sits in.

Get in touch

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