Quick Answer In New York, you must seek medical treatment within 30 days of a car accident to qualify for No-Fault insurance coverage. Missing this deadline can disqualify you from benefits entirely. MAIC provides same-day intake to ensure you meet this critical deadline. Call (888) 991-5290.

What the 30-Day Rule Requires

Under New York Insurance Law, you must submit a completed No-Fault application (NF-2 form) to your own auto insurance company within 30 days of the date of the accident. The form requests basic information about the accident and your injuries. It is the gateway to all No-Fault medical benefits — without it, you have no No-Fault coverage.

Consequences of Missing the Deadline

If you fail to submit the NF-2 within 30 days, your insurer can — and often will — deny all No-Fault claims, including claims for medical treatment that is clearly related to the accident. While there are limited exceptions for "good cause" shown, these are difficult to establish and unreliable. Missing the 30-day deadline is a serious legal and financial mistake that is entirely preventable.

The 45-Day Medical Provider Deadline

Medical providers treating No-Fault patients must submit bills to the insurance carrier within 45 days of providing treatment. MAIC's billing team handles all provider-side submissions, so this deadline is always met for our patients.

How MAIC Helps

At your first visit to MAIC following a car accident, our intake team will help you complete and submit the NF-2 form. We also guide you through all other No-Fault procedural requirements. Call (888) 991-5290 as soon as possible after your accident — the clock is running.