New York No-Fault Regulations 11 NYCRR Subpart 65-3: Claims for Personal Injury Protection Benefits

11 NYCRR 65-3.3: Notice

Text of 11 NYCRR 65-3.3 (Insurance Regulation 68-C) as published by the New York State Department of Financial Services, checked against the Department's list of amendments through October 4, 2026.

This is an unofficial copy. The official text is in the New York Codes, Rules and Regulations. Decisions apply the version in force at the time of the claim, which may differ from the current text.

Decisions citing this section · Plain-text version (Markdown)

(a) If the applicant’s written notice of a claim, required by section 65-2.4 of this Part and the mandatory and additional personal injury protection endorsements, is given to a designated agent of an insurer or to a person authorized to receive service of summons, the insurer is deemed to have received the notice; provided, however, that unless otherwise provided by law or contract, notice to the agent shall not be notice to the insurer if the agent promptly notifies the applicant that the agent is not authorized to receive notice of a claim.

(b) If the agent is permitted to receive a notice of a claim, the agent may acknowledge receipt of such notice in the manner set forth in this section.

(c) Receipt of a Department of Motor Vehicles Accident Report 104 (MV 104), or other accident report indicating injuries to eligible injured persons, shall be deemed written notice of a claim.

(d) The written notice required by section 65-2.4 of this Part and the mandatory and additional personal injury protection endorsement(s) shall be deemed to be satisfied by the insurer’s receipt of a completed prescribed application for motor vehicle no-fault benefits (NYS form N-F 2) forwarded to the applicant pursuant to section 65-3.4(b) of this Subpart or by the insurer’s receipt of a completed hospital facility form (NYS form N-F 5).

(e) When an insurer denies a claim based upon the failure to provide timely written notice of claim or timely submission of proof of claim by the applicant, such denial must advise the applicant that late notice will be excused where the applicant can provide reasonable justification of the failure to give timely notice.

Historical note

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

Decisions citing this section (76)

Every decision in our case-law database that cites 11 NYCRR 65-3.3, grouped by the subdivision cited. Within each group the highest court comes first, then the decisions that are themselves cited most often. The lists are compiled automatically from the text of the decisions.

(a) 3 (d) 17 (e) 50 no subdivision 7

Subdivision (a) (3 decisions)

East Acupuncture, P.C. v Allstate Ins. Co. (2009 NY Slip Op 01191) Appellate Division, Second Department
East Acupuncture, P.C. v Allstate Ins. Co. (2007 NY Slip Op 27109) Appellate Term, Second Department
Bronx Expert Radiology v Clarendon Natl. Ins. Co (2009 NY Slip Op 50747(U)) Appellate Term, First Department

Subdivision (d) (17 decisions)

New York & Presbyt. Hosp. v Country-Wide Ins. Co. (2011 NY Slip Op 07149) Court of Appeals
Sound Shore Med. Ctr. v New York Cent. Mut. Fire Ins. Co. (2013 NY Slip Op 02390) Appellate Division, Second Department
St. Barnabas Hosp. v Allstate Ins. Co. (2009 NY Slip Op 07824) Appellate Division, Second Department
Mount Sinai Hosp. v New York Cent. Mut. Fire Ins. Co. (2014 NY Slip Op 05779) Appellate Division, Second Department
Wyckoff Hgts. Med. Ctr. v Country-Wide Ins. Co. (2010 NY Slip Op 02552) Appellate Division, Second Department
Jennings v Metropolitan Transp. Auth. (2024 NY Slip Op 01801) Appellate Division, Second Department
Amaze Med. Supply v Eagle Ins. Co. (2003 NY Slip Op 51701(U)) Appellate Term, Second Department
Damadian Mri In Elmhurst v Liberty Mut. Ins. Co. (2003 NY Slip Op 51700(U)) Appellate Term, Second Department

Show all 17 decisions

Amaze Med. Supply v Eagle Ins. Co. (2004 NY Slip Op 50389(U)) Appellate Term, Second Department
Continental Med., P.C. v Travelers Indem. Co. (2006 NY Slip Op 50841(U)) Appellate Term, First Department
Compas Med., P.C. v Fiduciary Ins. Co. of Am. (2016 NY Slip Op 26062) Appellate Term, Second Department
Akita Med. Acupuncture, P.C. v Motor Veh. Acc. Indem. Corp. (2006 NY Slip Op 26503) Trial court
Williams v Kemper Independence Ins. Co. (2025 NY Slip Op 50101(U)) Trial court
Akita Med. Acupuncture P.C. v MVAIC (2006 NY Slip Op 52340(U)) Trial court
Universal Acupuncture Pain Servs. P.C. v MVAIC (2006 NY Slip Op 52343(U)) Trial court
Bonsai Med. Acupuncture, P.C. v Motor Veh. Acc. Indem. Corp. (2006 NY Slip Op 51583(U)) Trial court
Webster Ave. Med., P.C. v Travelers Prop. Cas. (2004 NY Slip Op 51526(U)) Trial court

Subdivision (e) (50 decisions)

New York & Presbyt. Hosp. v Country-Wide Ins. Co. (2011 NY Slip Op 07149) Court of Appeals
New York & Presbyt. Hosp. v American Tr. Ins. Co. (2007 NY Slip Op 09376) Appellate Division, Second Department
NY Arthroscopy & Sports Medicine PLLC v Motor Veh. Acc. Indem. Corp. (2007 NY Slip Op 27174) Appellate Term, First Department
Nir v MVAIC (2007 NY Slip Op 52124(U)) Appellate Term, Second Department
SZ Med. P.C. v Country-Wide Ins. Co. (2006 NY Slip Op 26194) Appellate Term, Second Department
Compas Med., P.C. v New York Cent. Mut. Fire Ins. Co. (2016 NY Slip Op 50307(U)) Appellate Term, Second Department
Delta Diagnostic Radiology, P.C. v Interboro Ins. Co. (2009 NY Slip Op 52222(U)) Appellate Term, Second Department
Synergy First Med., PLLC v MVAIC (2014 NY Slip Op 50964(U)) Appellate Term, Second Department

Show all 50 decisions

AAA Chiropractic, P.C. v MVAIC (2010 NY Slip Op 51896(U)) Appellate Term, Second Department
Bronx Expert Radiology, P.C. v Motor Veh. Acc. Indem. Corp. (2008 NY Slip Op 51612(U)) Appellate Term, First Department
Prestige Med. & Surgical Supply, Inc. v Chubb Indem. Ins. Co. (2010 NY Slip Op 50449(U)) Appellate Term, Second Department
Bajaj v MVAIC (2015 NY Slip Op 51661(U)) Appellate Term, Second Department
Schottenstein Pain & Neuro, PLLC v MVAIC (2021 NY Slip Op 50643(U)) Appellate Term, Second Department
Compas Med., P.C. v ELRAC, Inc. (2016 NY Slip Op 51497(U)) Appellate Term, Second Department
Mount Sinai Hosp. of Queens v Country Wide Ins. Co. (2014 NY Slip Op 50780(U)) Appellate Term, Second Department
Peace of Mind, Social Work, P.C. v MVAIC (2011 NY Slip Op 51834(U)) Appellate Term, Second Department
Good Samaritan Hosp. v MVAIC Ins. Co. (2022 NY Slip Op 51100(U)) Appellate Term, Second Department
Stand-Up MRI of the Bronx, P.C. v MVAIC Ins. Co. (2022 NY Slip Op 50789(U)) Appellate Term, Second Department
Carniol v MVAIC (2019 NY Slip Op 50232(U)) Appellate Term, First Department
Lenox Hill Radiology & Mia, P.C. v American Mfrs. Mut. Ins. Co. (2013 NY Slip Op 51750(U)) Appellate Term, Second Department
Americhoice Med., P.C. v Motor Veh. Acc. Indem. Co. (2013 NY Slip Op 51742(U)) Appellate Term, Second Department
Leica Supply, Inc. v American Tr. Ins. Co. (2013 NY Slip Op 50711(U)) Appellate Term, Second Department
Midtown Med. Assoc., P.C. v Clarendon Natl. Ins. Co. (2012 NY Slip Op 51351(U)) Appellate Term, Second Department
Mega Supplies Billing, Inc. v State Farm Mut. Auto. Ins. Co. (2012 NY Slip Op 51276(U)) Appellate Term, Second Department
Rally Chiropractic, P.C. v Nationwide Mut. Ins. Co. (2012 NY Slip Op 50417(U)) Appellate Term, Second Department
Trimed Med. Supply, Inc. v American Tr. Ins. Co. (2011 NY Slip Op 51880(U)) Appellate Term, Second Department
Park v Zurich American Ins. Co. (2011 NY Slip Op 51836(U)) Appellate Term, Second Department
AR Med. Rehabilitation, P.C. v MVAIC (2010 NY Slip Op 50828(U)) Appellate Term, Second Department
Medical Imaging of Bronx, P.C., Inc. v MVAIC (2026 NY Slip Op 26160) Appellate Term, First Department
Healthway Med. Care, P.C. v MVAIC (2026 NY Slip Op 50200(U)) Appellate Term, Second Department
Queens Diagnostic Radiology, P.C. v MVAIC (2025 NY Slip Op 51147(U)) Appellate Term, Second Department
New Millennium Med. Imaging, P.C. v 21st Century Ins. Co. (2022 NY Slip Op 50605(U)) Appellate Term, Second Department
Dynasty Med. Care, P.C. v 21st Century Sec. Ins. Co. (2018 NY Slip Op 51550(U)) Appellate Term, Second Department
Barry G. Fisher, M.D., P.C. v New York City Tr. Auth. (2015 NY Slip Op 51566(U)) Appellate Term, Second Department
Jesa Med. Supply, Inc. v NYC Tr. Auth. (2013 NY Slip Op 52007(U)) Appellate Term, Second Department
Magenta Med. P.C. v Clarendon Natl. Ins. Co. (2012 NY Slip Op 52236(U)) Appellate Term, First Department
Five Boro Psychological Servs., P.C. v MVAIC (2012 NY Slip Op 51656(U)) Appellate Term, Second Department
Five Boro Psychological Servs., P.C. v Clarendon Natl. Ins. Co. (2011 NY Slip Op 52365(U)) Appellate Term, Second Department
Alba Med. Supply, Inc. v Motor Veh. Acc. Indem. Corp. (2010 NY Slip Op 50372(U)) Appellate Term, Second Department
Synergy First Med. PLLC v ELRAC Inc. (2010 NY Slip Op 50048(U)) Appellate Term, First Department
Mid Atl. Med., P.C. v Electric Ins. Co. (2009 NY Slip Op 52597(U)) Appellate Term, Second Department
Elm Med., P.C. v MVAIC (2008 NY Slip Op 51865(U)) Appellate Term, Second Department
Hempstead Pain & Med. Servs., P.C. v General Assur. Co. (2006 NY Slip Op 26381) Trial court
Medical Select, P.C. v Allstate Ins. Co. (2013 NY Slip Op 23446) Trial court
Westchester Med. Ctr. v Encompass Ins. Co. (2007 NY Slip Op 52475(U)) Trial court
New York Med. & Diagnostic Ctr. v GEICO Ins. Co. (2021 NY Slip Op 51138(U)) Trial court
Longevity Med. Supply, Inc. v MVAIC (2019 NY Slip Op 50965(U)) Trial court
Sky Med. Supply Inc. v ELRAC Inc. (2014 NY Slip Op 24232) Trial court
Jamaica Med. Supply, Inc. v GEICO Ins. Co. (2013 NY Slip Op 50990(U)) Trial court
Rieker v Encompass Ins. Co. (2008 NY Slip Op 50729(U)) Trial court

Section cited without a subdivision (7 decisions)

Stephen Fogel Psychological, P.C. v Progressive Cas. Ins. Co. (2004 NY Slip Op 24527) Appellate Term, Second Department
SZ Med., P.C. v Lancer Ins. Co. (2005 NY Slip Op 25112) Appellate Term, Second Department
Rockman v Clarendon Natl. Ins. Co. (2008 NY Slip Op 52093(U)) Trial court
PDG Psychological P.C. v State Farm Mut. Ins. Co. (2005 NY Slip Op 50150(U)) Trial court
American Tr. Ins. Co. v PDA NY Chiropractic, P.C. (2023 NY Slip Op 50938(U)) Trial court
Delta Diagnostic Radiology, P.C. v MVAIC (2007 NY Slip Op 52143(U)) Trial court
Van Loon DME USA, Inc v Maya Assur. Co. (2025 NY Slip Op 50102(U)) Trial court