Informational guide
New York no-fault arbitration, explained.
New York no-fault arbitration is the process for resolving many disputed no-fault auto insurance claims, including denied or unpaid medical bills and benefits.
Important: This page is general information, not legal, insurance, billing, coding, or medical advice. Check the current AAA, DFS, Arbitration Forums, state, policy, and program rules before filing.
What New York no-fault arbitration covers
New York no-fault arbitration is commonly used when a claimant or medical provider disputes a no-fault insurer's denial, nonpayment, partial payment, or handling of a claim. It can involve medical bills, lost wages, verification issues, coverage defenses, medical necessity, fee schedule disputes, and other no-fault benefits.
The New York Department of Financial Services says that if a no-fault claim is submitted and the insurer does not respond within 30 days of receipt, or if the insurer issues a formal denial of claim, arbitration with AAA is one available option.
Basic filing steps
- Identify the denial or nonpayment. Gather the NF-10 denial, EOB/EOR, payment ledger, or proof that the insurer did not respond.
- Collect the bills in dispute. List each provider, date of service, amount billed, amount paid, and amount disputed.
- Prepare Form AR1 or online filing. AAA references the New York Insurance ADR Center and Form AR1 for New York no-fault arbitration requests.
- Submit supporting documents. DFS says applicants must submit documents supporting their position with the original request.
- Serve the insurer. DFS notes that a complete submission copy must also be mailed to the insurer.
- Track the case number. Online filing through the ADR Center generates a case number for tracking.
Documents to collect
- NF-10 denial of claim form, if issued
- AAA Form AR1 or online filing confirmation
- Bills and dates of service
- Proof of mailing or electronic submission
- Claim number and policy number
- Accident date and applicant information
- Assignment of benefits for provider filings
- Medical records and reports
- Verification requests and responses
- Payment ledger, EOB, or EOR
Official resources
Use official sources for current forms, fees, addresses, deadlines, and filing instructions.
FAQ
Where do you file New York no-fault arbitration?
New York no-fault arbitration requests are filed with the American Arbitration Association through the New York Insurance ADR Center or other AAA-supported filing methods. DFS says requests sent to DFS are returned.
What is the filing fee for New York no-fault arbitration?
DFS states that a no-fault arbitration filing must include a $40 filing fee payable to the American Arbitration Association. Always confirm the current fee with AAA before filing.
Can a provider file New York no-fault arbitration?
A medical provider may file as assignee of the injured person if it has the required assignment of benefits paperwork. DFS says a provider filing as assignee must submit a completed no-fault assignment of benefits form signed by the injured party.