MAIC Blog — Legal Resources
The 30-Day No-Fault Rule You Cannot Miss
New York law gives you 30 days to file a no-fault claim. Miss it and you lose $50,000 in medical coverage.
⚠️ Critical Deadline: File your no-fault (PIP) insurance claim within 30 days of your car accident. Missing this deadline can result in denial of your entire claim.
What Is the 30-Day No-Fault Rule?
Under New York Insurance Law Article 51, every auto insurance policy must include Personal Injury Protection (PIP) coverage of at least $50,000. This coverage pays for your medical treatment after a car accident — regardless of fault. But you must file within 30 days.
File Your Claim
Submit a no-fault application (NF-2 form) to the insurance company within 30 days. MAIC's billing team can help with this.
See a Doctor
Begin medical treatment as soon as possible — ideally within 24–72 hours to connect injuries to the accident.
Keep All Records
Retain your accident report, insurance information, and all medical records from day one.
Contact an Attorney
A personal injury attorney can file your claim and ensure all deadlines are met. MAIC works with attorneys throughout the Bronx.
MAIC can help you navigate your no-fault claim. Our billing team works directly with insurers and attorney offices. Call
(718) 555-0100 today.