Physicians Liens

Physicians Liens

By Mark R. Raddatz of Kohn Law Firm S.C.  - Please click above for full article.


It is important to note that physicians may contract with their patients, through the patient's attorney of record, by use of a Physician/Doctor Lien. These documents are often simple, one page agreements, and set forth that the physician is given a lien on any settlement, claim, judgment, or verdict resulting from the underlying accident or illness. Furthermore, such documents have the patient acknowledge that the debt is due, recognize that such agreement is for the protection of the physician, and finally, that payment is not contingent upon the outcome of the personal injury case. The documents are signed by both the patient and their attorney, and may be filed with the court of record for the personal injury case.

ICD-10 will help physicians treat the “whole patient” | EHRintelligence.com#_

ICD-10 will help physicians treat the “whole patient” | EHRintelligence.com#_

MVAIC- Who qualifies

 

Do-you-qualify? Click here or read below

 

 

Official requirements for MVAIC benefits;

• You were involved in a motor vehicle accident in New York.
• You were a resident of New York when the motor vehicle accident occurred.  Under special circumstances, residents of other states may be eligible for MVAIC benefits.  If you were not a resident of New York when the accident occurred and have questions pertaining to eligibility, please contact us by phone at (646)205-7800, or via email at HelpDesk@mvaic.com. 
• You have no other automobile insurance available to you. If you or any of your household relatives own an insured motor vehicle, you will be required to file a claim with that insurance company to see if you are covered under that policy for benefits.
• You were NOT the owner of the uninsured vehicle that was involved in the accident.
• You were NOT the spouse of the uninsured vehicle’s owner, and a passenger in that uninsured vehicle.

Additionally, there are timeframe requirements that must be adhered to.  If these timeframes are not met, your eligibility could be affected...

• The motor vehicle accident must be reported to the Police (Peace Officer) within 24 hours of the accident occurring.
• A Notice of Intention (NOI) is submitted to MVAIC within 90 days of the accident, if the accident was with a Hit & Run or unidentified motor vehicle.
• A Notice of Intention (NOI) is submitted to MVAIC within 180 days of the accident, if the accident was with an identified motor vehicle. 

The requirements above are set forth in Article 52 of the New York Insurance Law.

All claims submitted to MVAIC are reviewed for eligibility.  If you have any questions, please contact us by phone at (646) 205-7800, or via email at HelpDesk@mvaic.com. 

 

 

Completing The NF-2 Form Within 30 days - One of the most important first steps

The Application for No-Fault Benefits officially notifies the insurance carrier of your claim. It also is usually the first written document associated with the injury details of your car accident. When listing your injuries, don't leave anything out. What you consider to be minor in the beginning  can become problematic over a few days or weeks.** I know of someone who didn't file  NF-2 form until months later- then wanted treatment to be billed to No Fault-but their carrier specifically told me the claim was closed because of the patient failing to file his form within the required time frame. It is important to file the NF-2 form as soon as possible .

 If you have an injury recorded on file from the beginning on your paperwork, this helps to make medical claims processing easier for your insurance carrier when they receive treatment bills from your health care provider's office.  Some health care provider's offices have these forms available for you to fill out at the time of your treatment and can assist you with the form should you have questions with any part of it .  They can send it directly to your insurance carrier too.


Healthcare Provider can send out your NF-2 Form.
"Therefore, it is clear that the regulation does permit a health care provider to send, on behalf of an EIP, the NF-2 directly to the insurer, which may help in ensuring that the EIP meets the written notice requirement necessary to receive No-Fault benefits."

Calling your insurance carrier after the car accident is highly recommended. They will issue you a claim number and the name of the person handling your claim after you report the accident to them. This is important information for when you go to seek medical treatment.  Keep the claim number and the insurance claim representative's name with phone number handy when going to any medical care facility for treatment of your injuries. There is a spot on the NF-2 Form where you will need to provide this information.

You have only 30 days from the date of the accident to file a No-Fault Application (NF-2) Form with your insurance company – and only under certain circumstances will a grace period be allowed.
A serious injury where the injured party is hospitalized for weeks may be given an additional 30 days to get their form in, but don't depend or expect a grace period from your carrier. Carriers like to deny claims and it's an easy denial to issue if your NF-2 form was never received or received too late.


Access pages 5-7 to view and print out from this link :  NF2- Form

Coding Topic - Consult Downcoded to a lower E/M level ?

What Documentation Is Required?

In order for an E/M service to be considered a consultation, the following criteria must be met and documented:

• A request for a consultation, along with the reason  for a consultation, must be documented by the consultant in the patient's medical record and included in the patient's medical record of the referring practitioner.
• An opinion is rendered by the consulting practitioner. This opinion, along with any other service provided, is documented in the patient's health record.
• A written report of the consultant's findings and opinion or recommendation is communicated back to the requesting practitioner. This report is known to  include a thank-you letter for the consultation request and state exactly what the consultant's opinion is concerning the patient's medical problem.

CPT Assistant, July 2007 indicates that “there may be circumstances when a consultation is initiated by sources other than a physician, such as a physician assistant, nurse practitioner, doctor of chiropractic, … social worker, lawyer, or insurance company.” This helps to explain who can be considered another provider or healthcare entity. Reporting a consultation would be appropriate if the service was at the request of one of these professionals. -

Documentation is the key to getting paid for the consult done.

 It is a lack of proper documentation that leads to a carrier  determination  to downcode  consultation codes to a lower E/M level of service.

If you documented a consult properly and still received a downcode, appeal it immediately and attach the report made out to the referring physician.  Point out to the carrier the referring physician requesting the consultation, the report on record and the rendered opinion given from the physician performing the consultation.

Don't settle for the downcode amount when a consultation has been performed.Appeals that show full proof of the consultation performed will be reconsidered by the insurance carrier for the full payment due.



Julie Pisacane, CCA, CEMC

Member of AHIMA and AAPC

No Fault -Independent Medical Examinations (IME's)

Can you ask for another IME from your  no fault insurance carrier ?

Yes. You can call your No Fault insurance claims representative and  request another IME.  Demand it.Explain why you are not satisfied with the outcome when your No Fault benefits are cutoff. I have known patients to do this and successfully get another exam set up.  Not all requests are answered with a yes. It depends on your carrier and how well you address your complaint. I hear it all the time of a 5 minute exam or less where there is almost no conversation between the Independent Medical Examination physician and the patient regarding the injuries that were sustained in the MVA and the treatment that still needs to continue. The IME physician works for the insurance carrier. They are not your treating physician. They are paid for an opinion and the carrier often stands on that opinion.

I have denials routinely come in on a patient's treatment claims this year - due to an IME that happened last year. This patient made enough phone calls to his carrier that when I call to ask for a payment reconsideration on a denied insurance claim, they do so and without hesitation.

You can open the door to more treatment if you boldly and firmly make your requests known to the insurance carrier claim representative. Don't stay silent on a treatment issue. This is about your health and getting the continued treatment you need.

30 Days to Pay or Deny a No Fault Medical Insurance Claim - How to File A Complaint

Information for Healthcare Providers

No Fault insurance carriers have a responsibility to pay a medical treatment claim that is without issue in 30 days time from receipt of the claim . Make sure you keep an official record of mailing proof - whether it be certified mailing or claims mailed out on all your no fault patients in a mailbook log officially date stamped by your local post office.

 Don't get comfortable with the numerous delay tactics sent out by insurance carriers. When you are told by the insurance claim rep. in a sweet, calm tone that  "the claim was processed and the check is in the mail" ... for two months straight-  it is time to file your official written complaint.

 I actually communicate on a regular basis with one particular carrier who refuses to pay any claim sent in -until they hear from me via the New York State Department of Financial Services .  When I have sent everything in twice -by mail and fax and made my follow up phone call to the carrier - in which there is never a written or verbal response given - I file a complaint online requesting assistance for this claim to now be paid with interest. I attach all my proof to the complaint sent in . Thanks to today's technology, The Department of Financial Services gets my online complaint to the insurance carrier the same day. My phone rings from the carrier  later that same day for me to finally hear the spoken words, " Hey Julie, I got your message today. "  :*)  This is how we communicate. This is how I get the claim paid . It is a sad truth, but truth nonetheless and I am very thankful that the majority of complaints I filed this year with The Department of Financial Services were rapidly and successfully  handled.    (JP)

Click link below to file a complaint at the Department of Financial Services.

Complaint Link


You can file a No Fault, Workers Compensation or Prompt Pay Complaint  using our Online Complaint Form. You will receive immediate confirmation and be assigned a file number.
You will have one hour to process the complaint form. If you do not complete the form within one hour you will be prompted to refresh and the information you have entered before refreshing will be lost.
The form will contain a series of questions. If you do not understand any of the requested information, you can click on the question and a help box will appear to offer an additional description.

The costs of copying records is the responsibility of the health service provider.

 

No Fault Verification Requests For Copies Of Medical Records

Please click link for full article found at The Department of Financial Services.

 

Question Presented:

When a health service provider has submitted a bill to an automobile insurer for No-Fault insurance benefits, after receiving an assignment of benefits from an eligible injured person, and the insurer delays payment of the bill pending receipt of requested verification of the of the claim, is the health service provider responsible for reproduction costs incurred in providing the verification?

 

 

Conclusion:

 

Yes.

The eligible injured person's application for No-Fault benefits and all documentation and information provided to the insurer are components of the required "written proof of claim". The obligation to supply the "written proof of claim" consistently remains with the party claiming No-Fault benefits. Accordingly, the obligation to bear the costs of copying records to comply with a verification request will always remain with the eligible injured person or assignee health service provider.

If you are injured on a bus or a school bus in New York State...

 

NF-2 Form Reference

 

 

NOTE: The No-Fault Law provides that if you are injured on a bus or a school bus in New York State, No-Fault benefits must  be paid by your auto insurer or if you have no auto, the auto insurer of a relative with whom you reside. The law further  provides that you should only file a No-Fault claim with the insurer of the bus or school bus if there is no such auto policy in your household.   **The above rule does not apply and you may file a No-Fault claim with the insurer of the bus or school bus if  you are the operator, owner or employee of the owner of the bus company.

Coding Topic : Handling denials with Modifier 24 and 25

 

Modifier 24- Definition Unrelated Evaluation and Management Service by the Same Physician During a Postoperative Period: Physician may need to indicate that an evaluation and management service was performed during a postoperative period for a reason(s) unrelated to the original procedure.

An E/M service can be coded with modifier 24 to indicate a visit in the postoperative period that is unrelated to the original procedure (surgery). This modifier is not valid when coded with surgeries or other types of services. It is not appropriate for modifier 24 to be coded with diagnostic tests performed in the postoperative period. These are not part of the global surgical allowance and are always considered separately.
_____________________________________________

How to handle denials on No Fault claims submitted with Modifier 24 and 25

 Telephone Appeal

 Written Appeal-

 If payment is still not made - then arbitrate.

Modifier 24 - Telephone appeals to the insurance carriers are common for such denials and usually effective . Diagnosis codes are often overlooked by the insurance carrier  as well as the modifier when billing is submitted with a modifier 24 .  Explain to the insurance  claim representative what denial was placed on the claim, why the denial is incorrect and request payment reconsideration to be made.  If this doesn't get the payment in , then submit a payment review request in writing, with a copy of the AMA modifier 24 guidelines ,pointing out how the E/M service billed is not related to the surgery performed. 
__________________________________________________
Modifier 25- Definition

Significant, Separately Identifiable Evaluation and Management Service by the Same Physician or Other Qualified Health Care Professional on the Same Day of the Procedure or Other Service: It may be necessary to indicate that on the day a procedure or service identified by a CPT code was performed, the patient's condition required a significant, separately identifiable E/M service above and beyond the other service provided or beyond the usual preoperative and postoperative care associated with the procedure that was performed. A significant, separately identifiable E/M service is defined or substantiated by documentation that satisfies the relevant criteria for the respective E/M service to be reported (see Evaluation and Management Services Guidelines for instructions on determining level of E/M service). The E/M service may be prompted by the symptom or condition for which the procedure and/or service was provided. As such, different diagnoses are not required for reporting of the E/M services on the same date. This circumstance may be reported by adding modifier 25 to the appropriate level of E/M service. Note: This modifier is not used to report an E/M service that resulted in a decision to perform surgery. See modifier 57. For significant, separately identifiable non-E/M services, see modifier 59.

***Use the same steps as above - Telephone appeal, written appeal and arbitrate if necessary .


Billing and Collections staff should have modifier appeal letters on hand to respond to this type of denial immediately. 

Radiology~Denial Issue ...Lack of medical necessity

Insurance Denies Radiology claims as not medically necessary

 

 

 

Read below which is found at the link above  that helps explain the differences between authorization to pay and assignment of benefits.  This information also mentions what actions can follow when a denial is placed on a claim as not medically necessary.

STATE OF NEW YORK
INSURANCE DEPARTMENT25 BEAVER STREET
NEW YORK, NEW YORK 10004

George E. Pataki Governor

Gregory V. Serio Superintendent

The Office of General Counsel issued the following opinion on February 18, 2003, representing the position of the New York State Insurance Department.

RE: Assignments & Authorizations to Pay No-Fault Benefits

Question Presented:

When a provider of health services has submitted a bill to a No-Fault insurer for payment for health services rendered, and wishes to bill such patient for the services when the insurer denies the bill based upon the lack of medical necessity for performing such services, by what method can the provider reserve the right to bill their patient for the services rendered?

Conclusion:

A No-Fault health service provider may reserve the right to bill their patient (eligible injured person) for health services provided, when the No-Fault insurer denies payment for medically unnecessary services rendered through the use of an authorization, executed by the eligible injured person to their No-Fault insurer, to make payments of benefits directly to the health service provider.

Please also click below link for another article addressing the same issue.

Provider has the right to bill the patient when the denial states "not medically necessary".
 

Facts:

The inquirer, a radiology facility, which sometimes renders health services to patients covered under the No-Fault system, accepts assignments of No-Fault benefits from eligible patients prior to performing MRI tests. Such patients are advised that they will be responsible for making direct payment of the bill for services rendered to the inquirer, after the inquirer has submitted claims to the No-Fault insurer, in the event that the insurer denies payment based upon a determination of lack of medical necessity for the services performed. The inquirer indicated that it did not wish to assume responsibility for submitting denials of claims to arbitration in order to resolve the payment disputes. The inquirer asked how it could retain the right to bill the patient when reimbursement by the insurer has been denied under these circumstances.

ANALYSIS

In order to address the inquiry, it is necessary to recognize the distinction made between an assignment of No-Fault benefits ("Assignment") from an eligible injured person (the patient) to their provider of health services, and an authorization by the patient ("Authorization") to their No-Fault insurer to pay benefits directly to their provider of health services, under the Department No-Fault Regulation 68.

Pursuant to N.Y. Comp. Codes R. & Regs. tit. 11, � 65-3.11(b) (First Amendment to Regulation 68) (2003), entitled "Direct payments":

(b) In order for a health care provider/hospital to receive direct payment from the insurer, the health care provider or hospital must submit to the insurer:

(1) a properly executed Authorization to Pay Benefits as contained on NYS Forms NF-3, NF-4 or NF-5 or other claim form acceptable to the insurer. Execution of an authorization to pay benefits shall not constitute or operate as a transfer of all rights from the eligible injured person to the provider; or

(2) a properly executed assignment on:

(i) the prescribed Verification of Treatment by Attending Physician or Other Provider of Service form (NYS Form NF-3): or

(ii) the prescribed Verification of Hospital Treatment form (NYS Form NF-4), or the prescribed Hospital Facility form (NYS Form NF-5): or

(iii) the prescribed No-Fault Assignment of Benefits form (NYS Form NF-AOB contained in Appendix 13 or an equivalent form containing non-substantive enhancements, but no changes may be made to the assignment language itself.

An agreement to accept either an Assignment or Authorization is always voluntary on the part of a No-Fault provider. A provider may require payment from their patient at the time that services are performed. However, if the patient and provider agree to an assignment of benefits, they must use the prescribed assignment language that appears in the above-referenced forms as required by Regulation 68. Specifically, the mandatory assignment language assigns to the health care provider "all rights, privileges and remedies to payment for health care services provided…under Article 51…." Further, the health provider states that they will not pursue payment directly from the patient after receiving a denial based upon a lack of medical necessity unless the assignment is revoked by the provider based upon the assignor patient’s lack of coverage and/or violation of a policy condition due to the actions or conduct of the patient.

The effect of acceptance of an assignment of benefits by a health provider is that by accepting the transfer of the right to receive benefits, which were available directly to the eligible injured party, the health provider also assumes the right to, and responsibility for, pursuing available remedies when claims are denied, since the assignee provider now stands in the shoes of the eligible injured person. Therefore, after an assignment has been effected, an assignee provider, who has submitted a claim for services rendered, must be the party to request and pursue arbitration when the claim has been denied.

The rights and obligations imposed under an assignment of benefits do not exist under an Authorization to Pay Benefits form, which is executed by the eligible injured person. The optional authorization language in NYS Forms NF-3, NF-4 and NF-5 state: "I authorize payment of health benefits to the undersigned health care provider or supplier of services described below. I retain all rights, privileges and remedies to which I am entitled under Article 51 (the No-Fault provision) of the Insurance Law." (Emphasis added).

Under either an Assignment or Authorization, a patient is not required to pay their health service provider at the time that services are rendered. As stated above, while an Assignment serves to transfer all rights, privileges and remedies from the patient to the provider, no such transfer occurs under an Authorization. An authorization is no more than direction from an eligible injured person to their No-Fault insurer to send reimbursement directly to their health provider. Accordingly, if an Authorization is used, the provider retains the right to bill the patient directly when a denial has been issued for lack of medical necessity. In addition, unlike an assignment, where the right to dispute a denial through arbitration is transferred to the provider, the patient executing an authorization retains the right to dispute a denial.

The inquirer’s facility does not wish to assume responsibility for pursuing arbitration to resolve disputed claims, and wishes to retain the right to bill the patient directly when a denial has been issued for lack of medical necessity. The appropriate instrument in such instance would be an execution by its patient of an authorization to pay benefits. Under these circumstances, the patient can exercise its right to arbitration to resolve any dispute concerning the medical necessity of services rendered.

For further information you may contact Supervising Attorney Lawrence M. Fuchsberg at the New York City Office.

_____________________________________________________________

 

Reimbursement Tip:  Detailed documentation provided to an insurance  carrier as to why an MRI /CT scan are ordered for a patient, helps reduces denial scenarios. Today , a prescription, the physician's examination notes and a detailed letter of medical necessity fully stating all  the medical reasons why the scan is being ordered  are sent out with the bill on the initial submission of a claim. If the reasons are truly done in the best interest of the patient and make a difference in the  patient's treatment plan, then payment should be made for the scans done. There are guidelines and articles set forth stating when an MRI/CT scan should be performed. If the guidelines aren't followed and documentation is found lacking, expect a denial instead of payment.  Peer review denials done at the request of the insurance carrier ,usually list their article source, sometimes including the full article to back their reasons why payment of the scan done and billed for - should be disallowed.

 

Changes to No Fault as of 4/1/13 - 4th Amendment to 11 NYCRR 65-3

http://www.dfs.ny.gov/insurance/r_finala/2013/rf68ca4t.pdf

NEW YORK STATE

DEPARTMENT OF FINANCIAL SERVICES

FOURTH AMENDMENT TO 11 NYCRR 65-3

(INSURANCE REGULATION 68-C)

CLAIMS FOR PERSONAL INJURY PROTECTION BENEFITS

 

Please click on the above link to  better understand the importance of submitting correct billing charges  according to the NY No Fault Fee Schedule and how soon you should respond to a carrier's request for additional verification information on a medical claim under review from your practice.

 

Failure to do either one as instructed  in the new amendment can result in non-payment of claims and with no recourse. 

 

Motorcycle injury accidents . See Regulation 68

 

Motorcycle injury accidents are not  covered with  No Fault. Regulation 68 states any person while occupying a motorcycle are excluded from No Fault coverage...

 

Billing for Motorcycle cases are most often billed to their  private insurance carriers unless we are told by the patient that they have purchased MEDPAY coverage with their auto carrier .    
 

  Some patients  have purchased additional MEDPAY coverage with their auto insurance carrier, however, this is not done very often as such coverage is known to be expensive and  for limited payable amounts  of up to $1,000.00,$5,000.00 or $10,000.00 policy max. Motorcycles are not NF cases.   Whenever someone calls to say they got hurt on their motorcycle ,they should be asked if they purchased an additional policy to cover motorcycle injuries.  If there is MEDPAY ,this can be billed first and then   private insurance can be billed next when  the medpay coverage becomes exhausted. 

 

 

 

If there wasn't a medpay coverage purchased by the patient, then billing for Motorcycle cases should go directly to the private insurance carriers.    

 
 

 

 

Please read from Regulation 68  Section (e) under Exclsuions concerning Motorcycle injuries :

 

 

Excluded from No Fault coverage

 

Exclusions

This coverage does not apply to personal injury sustained by:

(a) any person while occupying a motor vehicle owned by such person with respect to

which the coverage required by the New York Comprehensive Motor Vehicle Insurance

Reparations Act is not in effect;

(b) any person while occupying, or while a pedestrian through being struck by, a motor

vehicle owned by the named insured with respect to which additional personal injury

protection coverage is not provided under this policy;

(c) any relative while occupying, or while a pedestrian through being struck by, a motor

vehicle owned by such relative with respect to which additional personal injury protection

coverage is not provided under this policy;

(d) any New York State resident other than the named insured or relative injured

through the use or operation of a motor vehicle outside of New York State if such resident is

the owner of a motor vehicle for which the coverage required by the New York

Comprehensive Motor Vehicle Insurance Reparations Act is not in effect;

(e) any person while occupying a motorcycle;

(f) any person who intentionally causes his own personal injury; {Footnote 13}

(g) any person as a result of operating a motor vehicle while in an intoxicated condition

or while his or her ability to operate the vehicle is impaired by the use of a drug (within the

meaning of section 1192 of the New York Vehicle and Traffic Law) except that coverage

shall apply to necessary emergency health services rendered in a general hospital, as

defined in section 2801(10) of the New York Public Health Law, including ambulance

services attendant thereto and related medical screening. However, where the person has

been convicted of violating section 1192 of the New York Vehicle and Traffic Law while

operating a motor vehicle in an intoxicated condition or while his or her ability to operate

such vehicle is impaired by the use of a drug, and the conviction is a final determination, the

Company has a cause of action against such person for the amount of first party benefits

that are paid or payable {Footnote 14}; or    _________________________________________________________________

   

 

 

 

 

 

Any injury is considered No Fault when...

an accidental injury  occurs within your  motor vehicle. If your finger is hurt when closing a car door on it, that's no fault. 

Always check with your insurance carrier when you are hurt by anything that has happened in connection to your motor vehicle. Call in your injury to your insurance claim representative to confirm the accident as no fault related.

No Fault Deductibles -Financial Responsibility of Patients

Patients are financially responsible for payment of any deductible amount withheld from the provider's claims.  The insurance carrier will send notice of the deductible amount taken out from a claim.   As a policyholder with your automobile insurance carrier- this is part of your policy agreement. Call your claim representative for details of the amount  due by you.

Most policies carry a $200.00 deductible ,some have zero  and some have $500.00 .

If a patient has private insurance, filing the deductible with the private insurance is permitted and they may pick up some or all of the amount due. 

**Medicare doesn't cover no fault deductibles.

See below from the Medicare website :  Medicare doesn't cover No Fault deductibles. Page 15

"Who pays if the no-fault or liability insurance denies my medical bill or is found not liable for payment? In this case, Medicare pays the same as it would if it were the only payer. However, Medicare only pays for Medicare-covered services. You’re responsible for your share of the bill, like coinsurance, a copayment or a deductible, and for services Medicare doesn’t cover."

11 Common Reasons For No Fault Medical Payments To Be Pended

There are several reasons why a medical claim billed to a No Fault carrier will be delayed:

1- awaiting an NF-2 form

2- Assignment of Benefits not on file or incomplete

3- Claim is under investigation

4- Awaiting medical, hospital records, x-ray/diagnostic testing, films-CD

5-Injury was not reported

6-Letters of medical necessity for why certain medical services are rendered

7-Causality Letter- A letter stating why treatment was related to the accident.

8-Patient needs to attend an IME or EUO to determine necessity of treatment provided.

9- No Fault carrier request the police report of the accident.

10- Hit and Run  accident - Insured Vehicle information unknown

11- Billing Charges Do Not Line Up With Medical  Documentation Provided

Until the carrier receives all the information they requested for their review and records, payment on medical claims submitted for No Fault treatment can be delayed for all the above reasons.

Healthcare providers can be better prepared to limit the amount of delays by obtaining some of the information at the time of treatment by the patient so it can be forwarded to the carrier as soon as possible along with the treatment bill.  Providers also must fully document all treatment provided in their physical examination treatment notes that are sent to the carrier. If it isn't documented properly you will not  paid.

Important Links:
www.dfs.ny.gov - Link To No Fault Forms



For Hit and Run accidents - Claims are filed with MVAIC . MVAIC will fully investigate all to find out if benefits are payable through MVAIC or household auto insurance of the  injured patient.

Click here for more information on filing with MVAIC-

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