Contact your insurance company and law enforcement immediately after an accident. It’s always recommended to involve the police to document the accident accurately.

If the damage caused by the accident exceeds $1,000 or there were injuries or fatalities, you must report the incident to the New York Department of Motor Vehicles within ten days.

Report the accident to your insurance company as soon as possible. Most insurance providers have a deadline of 30 days for filing a claim. Provide specific and factual details about the accident, including the date, time, and circumstances.

Within five business days of receiving your notice of claim, your insurance company will send you an Application for Benefits and a letter explaining your rights and responsibilities.

Seek medical attention promptly after the accident and adhere to your doctor’s treatment plan. Inform your medical provider that your injuries were sustained in a car accident in New York. Benefits are paid according to specific fee schedules; healthcare providers must accept these payments.

Your insurance company is required to make payment within 30 days of receiving a claim from a healthcare provider. They must also provide supporting evidence of medical necessity. Failure to make timely payments can result in interest charges on the outstanding balance.

If your PIP claim is denied, you have options for recourse. You can submit a complaint to the New York Department of Financial Services or pursue arbitration or a lawsuit to seek the compensation you’re entitled to.