Question 1

When should I file my arbitration requests with AAA?

Accepted Answer

To avoid policy exhaustion and other issues, it is best to file for arbitration as soon as possible.

Question 2

After the insurance company either denies my claim or fails to issue a timely response, how do I file my arbitration request with the AAA?

Accepted Answer

Arbitration requests can be filed with AAA online using the New York Insurance ADR Center. Alternatively, you can file for no-fault arbitration by mail. Send your no-fault arbitration request to:

American Arbitration Association
New York Insurance Case Management Center
32 Old Slip, 33rd Floor
New York, NY 10005

Question 3

What documents are needed to file a no-fault claim with the AAA?

Accepted Answer

The following documents must be filed with every no-fault claim: (i) AR-1 form, and (ii) all NF-3 forms or bills in dispute. An Assignment of Benefits (AOB) form is also required if the carrier issues a timely denial that relates to the AOB.

It is also preferable to include all pertinent medical reports as well as an NF-10 form (if applicable) indicating the reason for denial.

Depending on the particular case, other documents may be necessary. Those documents include a peer review/IME rebuttal, proof of mailing, verification responses and fee schedule documents.

Question 4

Do my documents need to be in a specific order when filing no-fault claims with AAA?

Accepted Answer

There is no requirement that documents be placed in a specific order when filing for arbitration. However, AAA suggests that you include a cover sheet with a breakdown of the bills in chronological order, with the following exhibit format:

AR1 Form.
Exhibit A: Bills in chronological order.
Exhibit B: NF-10’s/EOB’s.
Exhibit C: Medical reports, test results and other related documents in chronological order.
Exhibit D: Assignment of Benefits (AOB).
Exhibit E: Miscellaneous documents (e.g. proofs of mailing, verification responses, rebuttals).
Exhibit F: Case law, prior arbitration awards, as deemed relevant.

Question 5

Can I submit additional documents for arbitration after my arbitration request has already been filed?

Accepted Answer

Yes. You may submit additional documentation after the arbitration request has been filed. However, following the original submission of documents, any other documents you submit are marked “late submission.” Those documents are admitted into the record at the arbitrator’s sole discretion. In practice, most arbitrators include late submissions as part of the record.

Question 6

How can I ensure my arbitration requests are handled in a prompt manner?

Accepted Answer

Claims that are filed for arbitration within 90 days after the claim was denied or became overdue qualify for “Priority Arbitration.” If your file qualifies for Priority Arbitration, it is scheduled for a hearing within 45 days from the date it was transmitted from the conciliation center. A “Special Expedited Arbitration” is used for cases that are denied because the Notice of Claim was not submitted within 30 days of the accident. To qualify for this process, you must request Special Expedited Arbitration within 30 days after the mailing of the denial.

Filing a No-Fault Case

Process for Filing a No-Fault Arbitration Case

Filing a No-Fault Case FAQs