About Us

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About No Fault Collection

About Our Firm

Since 2000, the Law Offices of Jeffrey S. Kimmel has been handling no-fault insurance collections on behalf of physicians, surgeons, chiropractors, physical therapists, and other healthcare service providers throughout New York. We cater to both small and large medical practice groups, as well as hospitals, surgery centers, and billing companies, and we offer the kind of personalized attention clients are unlikely to receive from larger law firms.

Having settled and been awarded thousands of claims, both small and large, we have recovered payments for office visits, diagnostic testing, medical supplies, surgical procedures, neurological testing, psychiatric counseling, and a wide range of other medical services arising out of motor-vehicle accidents.

A 1998 graduate of the Benjamin N. Cardozo School of Law, Jeffrey S. Kimmel has been counseling healthcare providers and dealing with all of the major insurance carriers on a daily basis for over 25 years.

Founder of No Fault Collection

Our Philosophy

A wonderful serenity has taken possession of my entire soul, like these sweet mornings of spring which I enjoy with my whole heart.

Our Principle

A wonderful serenity has taken possession of my entire soul, like these sweet mornings of spring which I enjoy with my whole heart.

Key Of Success

A wonderful serenity has taken possession of my entire soul, like these sweet mornings of spring which I enjoy with my whole heart.

what we are expert at

Why Clients Choose Us?

Far far away, behind the word mountains, far from the countries Vokalia and Consonantia, there live the blind texts. Separated they live in Bookm arksgrove right at the coast of the Semantics, a large language ocean. A small river named Duden flows by their place.

A wonderful serenity has taken possession of my entire soul, like these sweet mornings of spring which I enjoy with my whole heart. I am alone, and feel the charm of existence in this spot, which was created for the bliss of souls like mine.

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New York Location
305 Broadway, Suite 720,
New York, NY 10007
212-684-5454

New York No-Fault Litigation FAQ General FAQs for No-Fault Providers & Billing Companies

What is New York No-Fault Insurance?

New York’s no-fault system requires the insurer of the injured person’s vehicle to cover medical bills, lost wages, and certain expenses regardless of fault. 
Providers who treat no-fault patients may pursue litigation when claims are unpaid or denied. 

Why Was My No-Fault Claim Denied?

Insurance carriers deny claims for reasons such as:

  • IME no-show
  • Missing or unanswered verification
  • Fee schedule reductions
  • Medical necessity disputes
  • Coding issues or missing documentation
  • EUO requests
  • Coverage disputes or late notice

If your claim was denied, litigation may allow you to recover full payment plus interest.

Do You Handle Both No-Fault Litigation and Arbitration?

Yes. 
Our firm focuses on no-fault litigation because it often produces higher recoveries and greater leverage. 
If a provider prefers arbitration, we will still file it. 

What Documents Do I Need to Start a No-Fault Case?

Just three items:

  • The bill (CMS-1500 or UB-04)
  • The denial (NF-10/EOB), if you have it
  • A brief summary of the claim

No medical records are required at intake.

How Long Does a No-Fault Litigation Case Take?

Many cases settle early after filing. 
Cases that require motions or trial calendars take longer. 
Providers and billing companies get regular updates and can track all cases through our 24/7 secure portal. 

Do You Charge Any Upfront Fees?

No. Unlike some attorneys, we do not charge providers any upfront fees. 
No-fault matters are fee-shifting, meaning the insurance company pays our legal fee when we win. 

How Do You Communicate With Providers and Billing Companies?

You receive:

  • Direct access to the attorney
  • Fast responses
  • A secure online portal

We prioritize efficient, transparent communication.

What Types of Providers Do You Represent?

We represent:

  • Orthopedic surgeons
  • Neurologists
  • Pain management physicians
  • Chiropractors
  • Physical & occupational therapists
  • Acupuncturists
  • Surgical centers
  • Radiology and diagnostic facilities
  • Home care providers
  • Billing companies handling no-fault claims

What Makes Your No-Fault Litigation Firm Different?

  • 25+ years of no-fault litigation experience
  • Litigation-first strategy for stronger results
  • Clear communication
  • Fast, easy case filing
  • Mastery of NY fee schedules & verification rules
  • Deep experience handling IME, EUO, and medical necessity disputes

Do You Handle No-Fault Cases Statewide?

Yes—throughout all five boroughs, Nassau & Suffolk, Westchester, Rockland, and upstate counties. 

Technical New York No-Fault FAQs

Rules, Deadlines & Legal Requirements

How Long Does an Insurance Company Have to Pay or Deny a No-Fault Claim?

Under 11 NYCRR 65-3.8, the carrier must pay or deny within 30 days unless verification tolls the timeframe.

How Long Does the Carrier Have to Request Verification?

  • 15 business days to send an initial request
  • 10 days for a follow-up request

These deadlines are strict under New York no-fault law.

What If I Never Received the Verification Request?

If the insurer can’t prove proper mailing, the denial is often invalid.
Mailing defects are one of the most successful litigation arguments in no-fault.

What Is the 45-Day Rule for Submitting No-Fault Bills?

Providers should submit bills within 45 days of service.

What Makes an IME No-Show Denial Valid

The insurer must prove:

  • Proper mailing of both IME notices
  • Timely scheduling
  • Affidavit of non-appearance
  • A valid denial issued within 30 days

IME issues are among the most litigated areas in New York no-fault.

What Happens If the Insurer Misses the 30-Day Denial Deadline?

The denial becomes precluded, meaning the carrier cannot raise most defenses such as:

  • Fee schedule reductions
  • Medical necessity
  • IME no-show defenses

This is a major advantage for providers in litigation.

How Long Does a Provider Have to Respond to Verification?

Providers have up to 120 days to respond to verification requests.

When Does No-Fault Interest Start in Litigation?

In litigation, interest begins the day the lawsuit is filed.

How Long Does the Insurer Have to Pay After Receiving Verification?

The insurer must pay or deny within 30 days after receiving all outstanding verification.

What Is the Statute of Limitations for a No-Fault Lawsuit?

Six (6) years for most claims.
Self-insureds and municipal entities may have a shorter statute of limitations —
contact us if you believe your claim falls under one of these exceptions.

Do Multiple Providers Have Separate Claims Under No-Fault?

Yes.
Each provider has a separate, independent claim under New York no-fault law.

What Rules Apply to No-Fault Fee Schedule Reductions?

All claims must follow the NY Workers’ Compensation Fee Schedule, including:

  • Correct regional rates
  • Proper CPT/HCPCS coding
  • Accurate RVU calculations
  • Correct use of modifiers

Fee schedule reductions are one of the most commonly overturned denials in litigation.

Are Vague Verification Requests Valid?

No.
Broad or nonspecific verification requests do not toll the carrier’s 30-day deadline.

Can the Carrier Send Multiple Verification Requests?

Yes, but each must be timely and compliant.
A single late request breaks the entire chain.

New York No-Fault Fee Schedule Basics (CPT, RVUs & Modifiers)

New York uses the Workers’ Compensation Fee Schedule for:

  • Office visits (E/M)
  • PT/OT/Chiropractic
  • Radiology
  • Surgery & global periods
  • Modifiers (-25, -59, -50, etc.)

Carrier errors in fee schedule calculations are extremely common.

Hospital Billing vs. Private Provider Billing (UB-04 vs CMS-1500)

Hospitals: DRG-based or per diem billing on UB-04
Providers: CPT-based fee schedule on CMS-1500

Common issues include improper DRG repricing and applying provider rules to hospital bills.

Fraud Flags & EUO Strategy for No-Fault Claims

Carriers may request EUOs for:

  • High-frequency treatment
  • Suspicious documentation
  • Billing spikes
  • Multi-specialty same-day visits
  • Complex accident circumstances

Proper scheduling, mailing, and compliance rules are strictly enforced in litigation.

Lost Wage Claims Under New York No-Fault (Patients Only)

To process patient wage loss claims, carriers require:

  • NF-2
  • Employer wage verification
  • Disability notes
  • Pay records (W-2s, stubs, tax docs)

We assist patients with documentation, follow-ups, and litigation when necessary.

Preparing for No-Fault Trial (IME, Peer Review & Adjuster Testimony)

Trials may involve:

  • IME doctors
  • Peer review authors
  • Adjusters
  • Billing experts
  • Mailing/verification witnesses

We handle all trial preparation and court strategy.

Common Insurance Company Tactics in No-Fault Claims

Carriers frequently attempt to:

  • Delay verification
  • Use vague requests
  • Misapply the fee schedule
  • Issue boilerplate denials
  • Schedule improper IMEs
  • Claim late submission without proof

We counter these with strict enforcement of New York no-fault regulations, aggressive discovery, and statutory interest leverage.

Legal Disclaimer

The information provided in this FAQ is for general informational purposes only and is not legal advice.
Nothing on this page creates an attorney–client relationship, nor should it be relied upon as a substitute for consulting with a qualified attorney regarding your specific facts.

No-fault regulations, court rules, and insurance requirements change frequently, and certain procedural rules apply differently in arbitration versus litigation. Some items described here may be accurate for litigation but not arbitration, and vice versa. Your rights and obligations may also vary depending on the insurance carrier, the type of claim, or whether the matter involves a self-insured or municipal entity.

For advice tailored to your practice or your specific no-fault claim, please contact our office directly.
An attorney–client relationship is only formed after you sign a written retainer agreement with our firm.

This page is intended as attorney advertising under New York and New Jersey rules.