# 11 NYCRR 65-3.15: Computation of basic economic loss

- Part of: 11 NYCRR Subpart 65-3 (Insurance Regulation 68-C), Claims for Personal Injury Protection Benefits; 11 NYCRR Part 65 (Insurance Regulation 68)
- Page: https://www.beynensonlaw.com/no-fault-regulations/11-nycrr-65-3-15/
- Source: New York State Department of Financial Services, https://www.dfs.ny.gov/system/files/documents/2024/08/reg68_11_nycrr_65_full_txt.pdf (retrieved 2026-10-04)
- Checked against the Department's list of amendments through 2026-10-04
- Unofficial copy. The official compilation is the New York Codes, Rules and Regulations (NYCRR).
- Each provision below starts with its full path, so (a)(2) is paragraph (2) of subdivision (a). Stable IDs have the form `11nycrr:65-3.15(a)(2)`.

## Text

When claims aggregate to more than $50,000, payments for basic economic loss shall be made to the applicant and/or an assignee in the order in which each service was rendered or each expense was incurred, provided claims therefor were made to the insurer prior to the exhaustion of the $50,000. If the insurer pays the $50,000 before receiving claims for services rendered prior in time to those which were paid, the insurer will not be liable to pay such late claims. If the insurer receives claims of a number of providers of services, at the same time, the payments shall be made in the order of rendition of services.

## Historical note

Sec. filed Aug. 2, 2001 eff. Sept. 1, 2001.

## Decisions citing this section (44)

From the beynensonlaw.com case-law database, grouped by the subdivision cited. Highest court first, then most-cited first. Compiled automatically from the text of the decisions.

### Subdivision (j) (1)

- [State Farm Mut. Auto. Ins. Co. v Farescal (2009 NY Slip Op 50937(U))](https://www.beynensonlaw.com/case-law/state-farm-mut-auto-ins-co-v-farescal-2009-ny-slip-op-50937u/) — Trial court

### Section cited without a subdivision (43)

- [Alleviation Med. Servs., P.C. v Allstate Ins. Co. (2021 NY Slip Op 08159)](https://www.beynensonlaw.com/case-law/alleviation-med-servs-p-c-v-allstate-ins-co-2021-ny-slip-op-08159/) — Appellate Division, Second Department
- [Montefiore Med. Ctr. v Government Empls. Ins. Co. (2006 NY Slip Op 08953)](https://www.beynensonlaw.com/case-law/montefiore-med-ctr-v-government-empls-ins-co-2006-ny-slip-op-08953/) — Appellate Division, Second Department
- [Mount Sinai Hosp. v Country Wide Ins. Co. (2011 NY Slip Op 05680)](https://www.beynensonlaw.com/case-law/mount-sinai-hosp-v-country-wide-ins-co-2011-ny-slip-op-05680/) — Appellate Division, Second Department
- [New York & Presbyt. Hosp. v Allstate Ins. Co. (2006 NY Slip Op 02731)](https://www.beynensonlaw.com/case-law/new-york-presbyt-hosp-v-allstate-ins-co-2006-ny-slip-op-02731/) — Appellate Division, Second Department
- [Matter of DTR Country-Wide Ins. Co. v Refill Rx Pharm., Inc. (2023 NY Slip Op 00179)](https://www.beynensonlaw.com/case-law/matter-of-dtr-country-wide-ins-co-v-refill-rx-pharm-inc-2023-ny-slipop-00179/) — Appellate Division, First Department
- [Westchester Med. Ctr. v Philadelphia Indem. Ins. Co. (2010 NY Slip Op 00138)](https://www.beynensonlaw.com/case-law/westchester-med-ctr-v-philadelphia-indem-ins-co-2010-ny-slip-op00138/) — Appellate Division, Second Department
- [Westchester Med. Ctr. v Hartford Cas. Ins. Co. (2009 NY Slip Op 00528)](https://www.beynensonlaw.com/case-law/westchester-med-ctr-v-hartford-cas-ins-co-2009-ny-slip-op-00528/) — Appellate Division, Second Department
- [Matter of Ameriprise Ins. Co. v Kensington Radiology Group, P.C. (2020 NY Slip Op 00500)](https://www.beynensonlaw.com/case-law/matter-of-ameriprise-ins-co-v-kensington-radiology-group-p-c-2020-nyslip-op-00500/) — Appellate Division, First Department
- [Country-Wide Ins. Co. v Metro Pain Specialists P.C. (2022 NY Slip Op 06865)](https://www.beynensonlaw.com/case-law/country-wide-ins-co-v-metro-pain-specialists-p-c-2022-ny-slip-op06865/) — Appellate Division, First Department
- [Alleviation Med. Servs., P.C. v Allstate Ins. Co. (2017 NY Slip Op 27097)](https://www.beynensonlaw.com/case-law/alleviation-med-servs-p-c-v-allstate-ins-co-2017-ny-slip-op-27097/) — Appellate Term, Second Department
- [Harmonic Physical Therapy, P.C. v Praetorian Ins. Co. (2015 NY Slip Op 50525(U))](https://www.beynensonlaw.com/case-law/harmonic-physical-therapy-p-c-v-praetorian-ins-co-2015-ny-slip-op50525u/) — Appellate Term, First Department
- [JFL Med. Care, P.C. v MVAIC (2024 NY Slip Op 50202(U))](https://www.beynensonlaw.com/case-law/jfl-med-care-p-c-v-mvaic-2024-ny-slip-op-50202u/) — Appellate Term, Second Department
- [JPF Med. Servs., P.C. v Nationwide Ins. (2020 NY Slip Op 51122(U))](https://www.beynensonlaw.com/case-law/jpf-med-servs-p-c-v-nationwide-ins-2020-ny-slip-op-51122u/) — Appellate Term, Second Department
- [Allstate Prop. & Cas. Ins. Co. v Northeast Anesthesia & Pain Mgt. (2016 NY Slip Op 50828(U))](https://www.beynensonlaw.com/case-law/allstate-prop-cas-ins-co-v-northeast-anesthesia-pain-mgt-2016ny-slip-op-50828u/) — Appellate Term, First Department
- [Allstate Ins. Co. v DeMoura (2011 NY Slip Op 50430(U))](https://www.beynensonlaw.com/case-law/allstate-ins-co-v-demoura-2011-ny-slip-op-50430u/) — Appellate Term, First Department
- [JPC Med., P.C. v State Farm Mut. Auto. Ins. Co. (2022 NY Slip Op 50562(U))](https://www.beynensonlaw.com/case-law/jpc-med-p-c-v-state-farm-mut-auto-ins-co-2022-ny-slip-op50562u/) — Appellate Term, Second Department
- [Charles Deng Acupuncture, P.C. v MVAIC (2019 NY Slip Op 52049(U))](https://www.beynensonlaw.com/case-law/charles-deng-acupuncture-p-c-v-mvaic-2019-ny-slip-op-52049u/) — Appellate Term, Second Department
- [JSJ Anesthesia Pain Mgt., PLLC v Nationwide Ins. Co. (2024 NY Slip Op 50203(U))](https://www.beynensonlaw.com/case-law/jsj-anesthesia-pain-mgt-pllc-v-nationwide-ins-co-2024-ny-slip-op-50203u/) — Appellate Term, Second Department
- [S.O.V. Acupuncture, P.C. v State Farm Mut. Auto. Ins. Co. (2020 NY Slip Op 51365(U))](https://www.beynensonlaw.com/case-law/s-o-v-acupuncture-p-c-v-state-farm-mut-auto-ins-co-2020-ny-slip-op51365u/) — Appellate Term, Second Department
- [Metro Pain Specialist, P.C. v Hertz Co. (2019 NY Slip Op 52047(U))](https://www.beynensonlaw.com/case-law/metro-pain-specialist-p-c-v-hertz-co-2019-ny-slip-op-52047u/) — Appellate Term, Second Department
- [Karina K. Acupuncture, P.C. v Hertz Claim Mgt. Corp. (2018 NY Slip Op 51762(U))](https://www.beynensonlaw.com/case-law/karina-k-acupuncture-p-c-v-hertz-claim-mgt-corp-2018-ny-slip-op-51762u/) — Appellate Term, Second Department
- [Ortho Passive Motion, Inc. v Allstate Ins. Co. (2018 NY Slip Op 51749(U))](https://www.beynensonlaw.com/case-law/ortho-passive-motion-inc-v-allstate-ins-co-2018-ny-slip-op-51749u/) — Appellate Term, Second Department
- [Island Life Chiropractic, P.C. v Commerce Ins. Co. (2017 NY Slip Op 50856(U))](https://www.beynensonlaw.com/case-law/island-life-chiropractic-p-c-v-commerce-ins-co-2017-ny-slip-op50856u/) — Appellate Term, Second Department
- [Acupuncture Now, P.C. v MVAIC (2026 NY Slip Op 50197(U))](https://www.beynensonlaw.com/case-law/acupuncture-now-p-c-v-mvaic-2026-ny-slip-op-50197u/) — Appellate Term, Second Department
- [Healthway Med. Care, P.C. v MVAIC (2026 NY Slip Op 50198(U))](https://www.beynensonlaw.com/case-law/healthway-med-care-p-c-v-mvaic-2026-ny-slip-op-50198u/) — Appellate Term, Second Department
- [Acupuncture Now, P.C. v MVAIC (2026 NY Slip Op 50196(U))](https://www.beynensonlaw.com/case-law/acupuncture-now-p-c-v-mvaic-2026-ny-slip-op-50196u/) — Appellate Term, Second Department
- [Healthway Med. Care, P.C. v MVAIC (2026 NY Slip Op 50199(U))](https://www.beynensonlaw.com/case-law/healthway-med-care-p-c-v-mvaic-2026-ny-slip-op-50199u/) — Appellate Term, Second Department
- [Healthway Med. Care, P.C. v MVAIC (2026 NY Slip Op 50200(U))](https://www.beynensonlaw.com/case-law/healthway-med-care-p-c-v-mvaic-2026-ny-slip-op-50200u/) — Appellate Term, Second Department
- [Chiropractic Assoc. of Richmond Hill, P.C. v Nationwide Gen. Ins. Co. (2025 NY Slip Op 50506(U))](https://www.beynensonlaw.com/case-law/chiropractic-assoc-of-richmond-hill-p-c-v-nationwide-gen-ins-co-2025-ny-slip-op-50506u/) — Appellate Term, Second Department
- [North Queens Surgical Ctr. v Lancer Ins. Co. (2025 NY Slip Op 50191(U))](https://www.beynensonlaw.com/case-law/north-queens-surgical-ctr-v-lancer-ins-co-2025-ny-slip-op-50191u/) — Appellate Term, Second Department
- [Pain Med., PLLC v State Farm Mut. Auto. Ins. Co. (2024 NY Slip Op 50069(U))](https://www.beynensonlaw.com/case-law/pain-med-pllc-v-state-farm-mut-auto-ins-co-2024-ny-slip-op-50069u/) — Appellate Term, Second Department
- [Heaven & Earth Acupuncture, P.C. v Hartford Ins. Co. of Ill. (2023 NY Slip Op 51236(U))](https://www.beynensonlaw.com/case-law/heaven-earth-acupuncture-p-c-v-hartford-ins-co-of-ill-2023-ny-slip-op-51236u-2/) — Appellate Term, Second Department
- [Advantage Radiology, P.C. v MVAIC (2023 NY Slip Op 50139(U))](https://www.beynensonlaw.com/case-law/advantage-radiology-p-c-v-mvaic-2023-ny-slip-op-50139u/) — Appellate Term, First Department
- [Allstate Fire & Cas. Ins. Co. v Branch Med., P.C. (2022 NY Slip Op 50277(U))](https://www.beynensonlaw.com/case-law/allstate-fire-cas-ins-co-v-branch-med-p-c-2022-ny-slip-op50277u/) — Appellate Term, First Department
- [Spine Care of N.J., P.C. v MVAIC (2021 NY Slip Op 51172(U))](https://www.beynensonlaw.com/case-law/spine-care-of-n-j-p-c-v-mvaic-2021-ny-slip-op-51172u/) — Appellate Term, Second Department
- [First Am. Alliance, Inc. v Ameriprise Ins. Co. (2018 NY Slip Op 51765(U))](https://www.beynensonlaw.com/case-law/first-am-alliance-inc-v-ameriprise-ins-co-2018-ny-slip-op-51765u/) — Appellate Term, Second Department
- [Advanced Recovery Equip. & Supplies, LLC v Park Ins. Co. (2018 NY Slip Op 51630(U))](https://www.beynensonlaw.com/case-law/advanced-recovery-equip-supplies-llc-v-park-ins-co-2018-ny-slipop-51630u/) — Appellate Term, Second Department
- [Ortho Passive Motion, Inc. v Allstate Ins. Co. (2017 NY Slip Op 50771(U))](https://www.beynensonlaw.com/case-law/ortho-passive-motion-inc-v-allstate-ins-co-2017-ny-slip-op-50771u/) — Appellate Term, Second Department
- [Gokey v Blue Ridge Ins. Co. (2009 NY Slip Op 50361(U))](https://www.beynensonlaw.com/case-law/gokey-v-blue-ridge-ins-co-2009-ny-slip-op-50361u/) — Trial court
- [Island Life Chiropractic Pain Care PLLC v Amica Mut. Ins. Co. (2019 NY Slip Op 51589(U))](https://www.beynensonlaw.com/case-law/island-life-chiropractic-pain-care-pllc-v-amica-mut-ins-co-2019-ny-slip-op51589u/) — Trial court
- [All Healthy Style Med., P.C. v ELRAC, Inc. (2018 NY Slip Op 51333(U))](https://www.beynensonlaw.com/case-law/all-healthy-style-med-p-c-v-elrac-inc-2018-ny-slip-op-51333u/) — Trial court
- [Acuhealth Acupuncture, P.C. v New York City Tr. Auth. (2016 NY Slip Op 50297(U))](https://www.beynensonlaw.com/case-law/acuhealth-acupuncture-p-c-v-new-york-city-tr-auth-2016-ny-slip-op-50297u/) — Trial court
- [Doctor of Medicine in the House, P.C. v Allstate Ins. Co. (2013 NY Slip Op 23357)](https://www.beynensonlaw.com/case-law/doctor-of-medicine-in-the-house-p-c-v-allstate-ins-co-2013-ny-slip-op-23357/) — Trial court