Notice: The DFS Portal will be unavailable from 6pm EDT on Friday, March 29 through Sunday, March 31 due to a scheduled system upgrade.
If you submit a No-Fault claim to an insurance company and the insurer does not respond to your submission within 30 days of its receipt, or if the insurer issues a formal denial of claim (form NF-10), your options are as follows:
Arbitration requests must be filed with the American Arbitration Association (even if a denial of claim form states that it should be filed with the New York State Department of Financial Services. Requests submitted to the Department will be returned).
If your case was already submitted to the American Arbitration Association, you should contact them by calling Customer Support at (917) 438-1660 or by visiting the New York Insurance ADR Center.
To file for No-Fault arbitration by mail:
An applicant for No-Fault arbitration must submit all documents supporting their position along with their original request for arbitration. A copy of the complete submission must also be mailed to the insurer. Following this original submission of documents, no additional documents may be submitted by the applicant other than bills or claims for ongoing benefits.
Mail your completed No-Fault arbitration request to:
American Arbitration Association
New York Insurance Case Management Center
32 Old Slip, 33rd Floor
New York, NY 10005
Website: www.nysinsurance.adr.org
email: [email protected]
If a medical provider files for arbitration as an assignee of the injured party, that provider must also submit a completed No-Fault Assignment of Benefits Form with the injured party's signature.
Whichever method is used to initiate the arbitration process, your filing must also include a $40.00 filing fee made payable to the American Arbitration Association. The AAA accepts checks, money orders, and credit cards as valid forms of payment.
Filers can opt to open a cash account to pay filing fees by submitting a check or authorizing a credit card payment and can add additional funds to an existing cash account via check or credit card payment to the AAA. To establish a cash account, login to the ADR Center and access the Payment Information tab in the My Account section of your user profile. You must submit a check or credit card authorization form to complete the process. If you need assistance in setting up a cash account, please contact the AAA.
If you have won a judgment in a No-Fault Arbitration, you should not normally have any difficulty in collecting from the respondent. If you have not received payment within 30 days of the date of mailing of the No-Fault arbitration award, we suggest that you follow-up with the respondent in writing to advise of the specific elements of the award which remain unpaid and outstanding. If you do not receive a timely response from the respondent, you can seek assistance from us, the Department of Financial Services.
If you choose to file a complaint with DFS, use our online Consumer Complaint form. There is no fee required to file a complaint. Although the Department will attempt to resolve disputed claims, it cannot order or require an insurer to pay a disputed claim filed as a complaint.
The Department maintains some Frequently Asked Questions about No-Fault Insurance.