Key Takeaway
A March 2020 dispatch from a New York no-fault defense practice: court closures, the shift to working from home, and how NY handled the COVID-19 pandemic.
This article is part of our ongoing no-fault coverage, with 273 published articles analyzing no-fault issues across New York State. Attorney Jason Tenenbaum brings 24+ years of hands-on experience to this analysis, drawing from his work on more than 1,000 appeals, over 100,000 no-fault cases, and recovery of over $100 million for clients throughout Nassau County, Suffolk County, Queens, Brooklyn, Manhattan, and the Bronx. For personalized legal advice about how these principles apply to your specific situation, contact our Long Island office at (516) 750-0595 for a free consultation.
This post was written on March 19, 2020, days after New York’s court system shut down for the COVID-19 pandemic and the day before the statewide work-from-home directive took effect. It is preserved here as a contemporaneous record of what the early shutdown looked like from inside a no-fault and personal injury practice, followed by some context on what the closure meant for litigants and how the period looks in hindsight.
The Original Post (March 19, 2020)
My friends in Miami-Dade apparently see no problem with the pendamic. While Courts in Palm Beach, Broward and Dade are closed, the streets from what I hear are lined with people and the beaches are occupied. It is as if nothing is wrong. If you’re dealing with a no-fault insurance defense matter, an experienced attorney can help protect your rights.
One of the things I like about our State is that we take things seriously. When there is a crime spree, a natural catastrophe or a pandemic, New Yorkers by and far handle these situations comparatively better than their out of state compatriots. One of the things we take for granted here is our education system.
I for one am not a fan of the tax burden in this state and most of you would agree. Perhaps is reeks of waste and inefficiency? I will leave that to better minds. But even at its worst, the children and teenagers who finish school within this state have a basic understanding of morality and common sense. When you live in a state (i) without a state income tax; (ii) pay teachers $40,000 a year; and (iii) have “countywide” school districts, the result is paragraph 1 supra.
While my first post in this series chided OCA for what I think are institutional inefficiencies in our court system, I truly believe that our populace is better suited to handle this disaster than many others.
I am told that as of tomorrow (3-20-20), 75% of each office must work from home. We will heed this advice and eventually the storm will pass. I finally must commend Dr. Fauci, a Geico no-fault attorney’s lost lost cousin, for the calmness he has brought to what are uncharted waters.
The Court Shutdown in Context
The reference to OCA — the Office of Court Administration, the administrative arm of New York’s Unified Court System — places this post in its moment. In mid-March 2020, OCA restricted court operations to essential matters, suspended most filings, and adjourned pending civil calendars indefinitely. For a litigation practice, the practical consequences were immediate: motions could not be filed or argued, trials could not proceed, and the predictable rhythm of Civil Court and Supreme Court calendars stopped.
Alongside the court directives, the Governor’s executive orders tolled or suspended litigation deadlines during the emergency period — a measure whose precise effect on statutes of limitations and procedural time limits was litigated for years afterward. Anyone reconstructing the timeline of a claim that was pending in the spring of 2020 still has to account for that period.
What the Shutdown Meant for No-Fault Practice
No-fault litigation is high-volume, document-driven work governed by the regulatory deadlines of 11 NYCRR 65 — verification requests, follow-ups, and denials all run on calendars measured in days. A frozen court system did not freeze claims: accidents still happened, treatment continued, bills were submitted, and carriers still had to process them. The disputes that accumulated during the closure eventually flowed back into the courts and into no-fault arbitration, which — being largely paperless — continued functioning while courtrooms were dark.
The work-from-home directive mentioned in the original post (75% of each office, effective March 20, 2020) accelerated a transition that proved permanent in this field. Virtual appearances, remote arbitration hearings, and electronic submissions outlasted the emergency because the economics of small-bill, high-volume litigation favor them.
Looking Back
Read several years on, the post captures three things worth remembering. First, the speed of the change: within a week, an entire litigation bar moved from courthouse calendars to laptops. Second, the unevenness of the response across jurisdictions, which the post observes in real time comparing New York with South Florida. Third, the resilience of the underlying system — the storm did pass, the courts reopened, and the backlog was eventually worked through, though the experience permanently changed how New York civil litigation is conducted.
For clients and providers with claims that straddled the shutdown, the era still matters concretely: deadline computations, adjournment histories, and the question of what was or was not operationally possible in the spring of 2020 continue to surface in motion practice arising from that period.
Related Resources
- Law office failure as an excuse in New York litigation — the doctrine governing missed deadlines and defaults, a recurring issue in the wake of practice disruptions
- The firm’s Legal Encyclopedia — plain-language explainers on New York no-fault and personal injury doctrine
- No-fault insurance defense practice
- New York No-Fault Insurance Law
- Understanding regulatory amendments and their impact on practitioners
- No-fault verification requirements and compliance standards
- Critical timing rules for summary judgment motions under CPLR 3212(a)
Legal Context
Why This Matters for Your Case
New York's no-fault insurance system, established under Insurance Law Article 51, is one of the most complex insurance frameworks in the country. Every motorist must carry Personal Injury Protection coverage that pays medical expenses and lost wages regardless of fault, up to $50,000 per person.
But insurers routinely deny valid claims using peer reviews, EUO scheduling tactics, fee schedule reductions, and coverage defenses. The Law Office of Jason Tenenbaum has handled over 100,000 no-fault cases since 2002 — from initial claim submissions through arbitration before the American Arbitration Association, trials in Civil Court and Supreme Court, and appeals to the Appellate Term and Appellate Division. Jason Tenenbaum is one of the few attorneys in the state who both writes his own appellate briefs and tries his own cases.
His 2,353+ published legal articles on no-fault practice are cited by attorneys throughout New York. Whether you are dealing with a medical necessity denial, an EUO no-show defense, a fee schedule dispute, or a coverage question, this article provides the kind of detailed case-law analysis that helps practitioners and claimants understand exactly where the law stands.
About This Topic
New York No-Fault Insurance Law
New York's no-fault insurance system requires every driver to carry Personal Injury Protection (PIP) coverage that pays medical expenses and lost wages regardless of who caused the accident. But insurers routinely deny, delay, and underpay valid claims — using peer reviews, IME no-shows, and fee schedule defenses to avoid paying providers and injured claimants. Attorney Jason Tenenbaum has litigated thousands of no-fault arbitrations and court cases since 2002.
273 published articles in No-Fault
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Jul 13, 2022Frequently Asked Questions
Common Questions About This Topic
5 answers from the firm's New York personal-injury and employment-law practice. Click any question to expand.
What is New York's no-fault insurance system?
New York's no-fault insurance system, codified in Insurance Law Article 51, requires all drivers to carry Personal Injury Protection (PIP) coverage. This pays for medical expenses, lost wages (up to $2,000/month), and other basic economic loss regardless of who caused the accident, up to $50,000 per person. However, to sue for pain and suffering, you must meet the 'serious injury' threshold under Insurance Law §5102(d).
How do I fight a no-fault insurance claim denial?
When a no-fault claim is denied, you can challenge it through mandatory arbitration under the American Arbitration Association's no-fault rules, or by filing a lawsuit in court. Common defenses to denials include challenging the timeliness of the denial, the adequacy of the peer review report, or the insurer's compliance with regulatory requirements. An experienced no-fault attorney can evaluate which strategy gives you the best chance of overturning the denial.
What is the deadline to file a no-fault claim in New York?
Under 11 NYCRR §65-1.1, you must submit a no-fault application (NF-2 form) within 30 days of the accident. Medical providers must submit claims within 45 days of treatment. Missing these deadlines can result in claim denial, though there are limited exceptions for late notice if the claimant can demonstrate a reasonable justification.
What no-fault benefits am I entitled to after a car accident in New York?
Under Insurance Law §5102(b), no-fault PIP covers necessary medical expenses, 80% of lost earnings up to $2,000/month, up to $25/day for other reasonable expenses, and a $2,000 death benefit. These benefits are available regardless of fault, up to the $50,000 policy limit. Claims are paid by your own insurer — not the at-fault driver's.
Can I choose my own doctor for no-fault treatment in New York?
Yes. Under New York's no-fault regulations, you have the right to choose your own physician, chiropractor, physical therapist, or other licensed healthcare provider. The insurer cannot dictate which providers you see. However, the insurer can request an IME with their chosen doctor and may challenge the medical necessity of your treatment through peer review.
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About the Author
Jason Tenenbaum, Esq.
Jason Tenenbaum is the founding attorney of the Law Office of Jason Tenenbaum, P.C., headquartered at 326 Walt Whitman Road, Suite C, Huntington Station, New York 11746. With over 24 years of experience since founding the firm in 2002, Jason has written more than 1,000 appeals, handled over 100,000 no-fault insurance cases, and recovered over $100 million for clients across Long Island, Nassau County, Suffolk County, Queens, Brooklyn, Manhattan, the Bronx, and Staten Island. He is one of the few attorneys in the state who both writes his own appellate briefs and tries his own cases.
Jason is admitted to practice in New York, New Jersey, Florida, Texas, Georgia, and Michigan state courts, as well as multiple federal courts. His 2,353+ published legal articles analyzing New York case law, procedural developments, and litigation strategy make him one of the most prolific legal commentators in the state. He earned his Juris Doctor from Syracuse University College of Law.
Disclaimer: This article is published by the Law Office of Jason Tenenbaum, P.C. for informational and educational purposes only. It does not constitute legal advice, and no attorney-client relationship is formed by reading this content. The legal principles discussed may not apply to your specific situation, and the law may have changed since this article was last updated.
New York law varies by jurisdiction — court decisions in one Appellate Division department may not be followed in another, and local court rules in Nassau County Supreme Court differ from those in Suffolk County Supreme Court, Kings County Civil Court, or Queens County Supreme Court. The Appellate Division, Second Department (which covers Long Island, Brooklyn, Queens, and Staten Island) and the Appellate Term (which hears appeals from lower courts) each have distinct procedural requirements and precedents that affect litigation strategy.
If you need legal help with a no-fault matter, contact our office at (516) 750-0595 for a free consultation. We serve clients throughout Long Island (Huntington, Babylon, Islip, Brookhaven, Smithtown, Riverhead, Southampton, East Hampton), Nassau County (Hempstead, Garden City, Mineola, Great Neck, Manhasset, Freeport, Long Beach, Rockville Centre, Valley Stream, Westbury, Hicksville, Massapequa), Suffolk County (Hauppauge, Deer Park, Bay Shore, Central Islip, Patchogue, Brentwood), Queens, Brooklyn, Manhattan, the Bronx, Staten Island, and Westchester County. Prior results do not guarantee a similar outcome.