Step 1: Report the Accident to Your Insurance Company
Notify your auto insurance company of the accident as soon as possible — ideally within 24 hours. You can do this by calling the number on your insurance card. Provide the date, time, location, and a brief description of the accident. Do not admit fault.
Step 2: Complete the NF-2 Application (30-Day Deadline)
Your insurance company will send you a No-Fault application form (NF-2). You must complete and return this form within 30 days of the accident date. This is a hard deadline — missing it can result in denial of all No-Fault benefits. At MAIC, our intake team helps patients complete the NF-2 at their first visit.
Step 3: Attend All Required Examinations
Your insurer may require you to attend an examination under oath (EUO) and/or an Independent Medical Examination (IME) with a physician of their choosing. You must attend these examinations or risk suspension of benefits. However, you have rights at these exams — you can have your attorney present at an EUO.
Step 4: Continue Treatment and Maintain Records
Continue all prescribed treatment consistently. Gaps in treatment give insurers grounds to argue your injuries have resolved. Keep copies of all records and report any changes in your condition to your treating physician promptly.
MAIC handles all No-Fault billing and authorization submissions for our patients. Call (888) 991-5290 to get started.