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.

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No-Fault & Arbitration Insights

Plain-English guides to New York no-fault insurance, AAA arbitration, and what to do when a claim is denied.

Basics

Is New York a No-Fault State? A Plain-English Guide (2026)

Yes — New York is a no-fault insurance state. Here's what that means for your medical bills, lost wages, and right to sue after a car accident in NY.

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Basics

How No-Fault Insurance Works in New York: Step by Step

From accident to payment: how New York no-fault insurance actually works — PIP coverage, the 30-day rule, IMEs, denials, and AAA arbitration.

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How-to

How to File a No-Fault Insurance Claim in New York (2026)

Step-by-step instructions for filing a no-fault PIP claim in NY: the NF-2 form, 30-day deadline, required documents, and what to do if the carrier denies you.

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Arbitration

What Is AAA Arbitration? A Guide to NY No-Fault Hearings

AAA arbitration is where most New York no-fault disputes are decided. Here's how the process works, what to file, and what makes a winning case.

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Denials

No-Fault Claim Denied in NY? Here's What to Do Next

Got an NF-10 denial in New York? Here's how to read it, the 4 most common denial reasons, and your options — from rebuttal to AAA arbitration.

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Strategy

No-Fault Settlements in New York: How They Actually Happen

How no-fault settlements work in New York: when carriers settle, what files settle for full value, and how to position a case before AAA arbitration.

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Billing

The NY No-Fault Fee Schedule: What Providers Actually Get Paid

How the New York no-fault fee schedule works — Workers' Comp basis, regional multipliers, CPT codes, and why most fee-schedule denials lose at arbitration.

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Strategy

No-Fault Settlement Negotiation in NY: A Tactical Playbook

How to negotiate a New York no-fault settlement: leverage, timing, anchoring, statutory interest, and the moves that get carriers to pay full value before AAA arbitration.

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Defense

Defending Against No-Fault Overbilling in NY: A Fee-Schedule Playbook

Carrier-side defense against inflated no-fault bills in New York: ground rules, NCCI bundling, regional conversion factors, modifier abuse, and DME-invoice strategy.

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Looking for forms, carriers, or borough pages?

NF-2, NF-3, NF-10, AOB guides plus borough and carrier-specific arbitration support.

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No-Fault & Arbitration Insights

Is New York a No-Fault State? A Plain-English Guide (2026)

How No-Fault Insurance Works in New York: Step by Step

How to File a No-Fault Insurance Claim in New York (2026)

What Is AAA Arbitration? A Guide to NY No-Fault Hearings

No-Fault Claim Denied in NY? Here's What to Do Next

No-Fault Settlements in New York: How They Actually Happen

The NY No-Fault Fee Schedule: What Providers Actually Get Paid

No-Fault Settlement Negotiation in NY: A Tactical Playbook

Defending Against No-Fault Overbilling in NY: A Fee-Schedule Playbook

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