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New York No-Fault Law: Understanding New York's No-Fault System Paul D. McCormick, Esq. Goldberg Segalla LLP 665 Main Street / Suite 400 Buffalo, New York 14203-1425 716.566.5466 Fax:  716.566.5401 Email:  [email_address] Website:  www.goldbergsegalla.com
A.  Background ,[object Object],[object Object],[object Object]
Eligible Injured Person ,[object Object],[object Object],[object Object],[object Object],[object Object]
[object Object],[object Object],[object Object],[object Object]
Basic Economic Loss ,[object Object],[object Object],[object Object]
1.  All necessary medical expenses ,[object Object],[object Object]
2.  Loss of earnings from work which the person would have performed had he/she not been injured ,[object Object],[object Object]
3.  All other reasonable and necessary expenses incurred ,[object Object],[object Object]
B.  Coverage ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Scope of Coverage ,[object Object],[object Object]
C.  Exclusions ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Mandatory Personal Injury Protection (PIP) ,[object Object],[object Object],[object Object],[object Object],D.  Benefits
Additional Personal Injury Protection (APIP) ,[object Object],[object Object],[object Object],[object Object]
Optional Basic Economic Loss (OBEL) ,[object Object],[object Object]
E.  Notice To Carrier and Proof of Claim ,[object Object],[object Object],[object Object]
[object Object],[object Object],[object Object],[object Object],[object Object]
Acknowledgment of Receipt ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
2.  Proof of Claim ,[object Object],[object Object],[object Object],[object Object],[object Object]
[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],1. Claims Practice Principles
2.  Conducting an EUO ,[object Object],[object Object],[object Object],[object Object]
3.  Conducting an Effective   IME/Peer Review  ,[object Object],[object Object],[object Object],[object Object]
4. Denying a Claim ,[object Object],[object Object],[object Object],[object Object]
Follow-Up Requirements ,[object Object],[object Object],[object Object]
Delay Letters and NF-10s ,[object Object],[object Object],[object Object],[object Object],[object Object]
Defenses (“Bases” For Denial) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Medical Necessity ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Proximate Cause ,[object Object],[object Object],[object Object]
45-Day Rule ,[object Object],[object Object],[object Object],[object Object]
4.  Dealing With the Claimant ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
5.  Priority of Claims and Fee-Schedule Issues ,[object Object],[object Object],[object Object],[object Object],[object Object],Who pays when a pedestrian’s injuries are caused by more than one vehicle?
Priority of payments by  a no-fault carrier. ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Understanding New York No-Fault Paul D. McCormick, Esq. Goldberg Segalla LLP 665 Main Street / Suite 400 Buffalo, New York 14203-1425 716.566.5466 Fax:  716.566.5401 Email:  [email_address] Website:  www.goldbergsegalla.com

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Understanding New York No Fault

  • 1. New York No-Fault Law: Understanding New York's No-Fault System Paul D. McCormick, Esq. Goldberg Segalla LLP 665 Main Street / Suite 400 Buffalo, New York 14203-1425 716.566.5466 Fax: 716.566.5401 Email: [email_address] Website: www.goldbergsegalla.com
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  • 32. Understanding New York No-Fault Paul D. McCormick, Esq. Goldberg Segalla LLP 665 Main Street / Suite 400 Buffalo, New York 14203-1425 716.566.5466 Fax: 716.566.5401 Email: [email_address] Website: www.goldbergsegalla.com