# 11 NYCRR 65-4.4: Insurance Department Arbitration (IDA) forum procedure

- Part of: 11 NYCRR Subpart 65-4 (Insurance Regulation 68-D), Arbitration; 11 NYCRR Part 65 (Insurance Regulation 68)
- Page: https://www.beynensonlaw.com/no-fault-regulations/11-nycrr-65-4-4/
- 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:65-4.4(a)(2)`.

## Text

(a) Notice. If the dispute is subject to IDA arbitration, the parties will be notified by the IDA, in writing, that the dispute will be resolved by arbitration on the basis of written submissions of the parties. All such submissions shall be received by the IDA within 30 calendar days of the date of mailing of the notice. No oral arguments will be permitted. In order to facilitate receipt of evidence by IDA, the parties may forward their submissions prior to receipt of the above notification.

(b) Consolidation. The IDA may consolidate disputes if the claims arose out of the same accident and involve common issues of fact.

(c) Designation of arbitrators. The arbitrator shall be a senior member of the Insurance Department staff designated by the superintendent to serve as an IDA arbitrator and shall not be the same person who attempted to conciliate the dispute.

(d) Qualifications of the arbitrator. Every IDA arbitrator shall be an examiner who regularly administers article 51 of the Insurance Law or an attorney. If the issue in dispute includes a request for an additional attorney’s fee pursuant to section 65-4.6 of this Subpart, the IDA arbitrator shall be an attorney. No person shall serve as an arbitrator in any arbitration in which such person has any financial or personal interest. An arbitrator shall disclose to the IDA any circumstance which is likely to create an appearance of bias or which might disqualify such arbitrator. Upon receipt of such information, the IDA shall immediately disclose it to the parties. If a party challenges an arbitrator, the specific grounds for the challenge shall be submitted in writing to the superintendent. The superintendent shall determine whether the arbitrator should be disqualified and shall inform the parties of that determination, which shall be conclusive. If an arbitrator should resign, be disqualified or be otherwise unable to perform necessary duties, the superintendent shall designate another arbitrator to resolve the dispute.

(e) Evidence. The arbitrator shall be the judge of the relevancy and materiality of the evidence offered and strict conformity to legal rules of evidence shall not be necessary. The arbitrator may subpoena documents upon the arbitrator’s own initiative or upon the request of any party when the issues to be resolved require such documents. Copies of all documents submitted to the arbitrator shall be simultaneously transmitted to the other parties. The arbitrator may raise any issue that the arbitrator deems relevant to making an award that is consistent with the Insurance Law and department regulations.

(f) Form and scope of award. The award, which shall be in writing and signed by the arbitrator, shall state the issues in dispute and contain the arbitrator’s findings, conclusions and decision based on the Insurance Law and Insurance Department regulations. In the event that the applicant prevails in whole or in part on the claim, the arbitrator shall also direct the insurer to:

(f)(1) reimburse the applicant for the amount of the filing fee paid, unless the filing fee had already been returned to the applicant;

(f)(2) if due under section 5106 of the Insurance Law, pay a reasonable attorney’s fee in accordance with the limitations set forth in section 65-4.6 of this Subpart; and

(f)(3) in an award of interest, the arbitrator shall compute the amount due for each element of first-party benefits in dispute, commencing 30 days after proof of claim therefor was received by the insurer and ending with the day of payment of the award, subject to the provisions of section 65-3.9(c) and (d) of this Part (stay of interest).

(g) Time of award. The award shall be issued no later than 30 calendar days from the final date submissions must be received. Failure to adhere to the prescribed time limit shall not nullify the award.

(h) Delivery of award to parties. The award shall be transmitted to the parties, which shall accept as delivery of the award the placing of the award or a true copy thereof, in the mail, addressed to the parties and their designated representatives at their last known addresses, or by any other form of service permitted by law. The IDA shall note on such award or transmittal letter thereof the date of mailing, and keep a record of same.

(i) Interpretation and application of procedures. The arbitrator shall interpret and apply these procedures insofar as they relate to the arbitrator’s powers and duties. All other procedures shall be administered by the Insurance Department.

(j) Payment of award. Insurers shall, within 30 calendar days of the date of mailing of the award, either pay the amounts set forth in the award or, where grounds exist, appeal to the master arbitrator as provided for in this Part, which appeal shall stay payment of the award. The award need not be confirmed into judgment.

(k) Financing. The Insurance Department shall bill the insurer the sum of $100 whenever the applicant prevails in whole or in part on the disputed claim. Such fee shall be payable within 30 days after the billing date and shall be utilized to defray the operating expenses of the department.

## Historical note

Sec. filed Aug. 2, 2001; amd. filed Feb. 17, 2003 eff. Feb. 5, 2003. Amended (f).

## Decisions citing this section (17)

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 (c) (1)

- [Elmont Open MRI & Diagnostic Radiology, P.C. v GEICO Ins. Co. (2008 NY Slip Op 50113(U))](https://www.beynensonlaw.com/case-law/elmont-open-mri-diagnostic-radiology-p-c-v-geico-ins-co-2008-ny-slipop-50113u/) — Trial court

### Subdivision (e) (4)

- [Matter of Health & Endurance Med., P.C. v Deerbrook Ins. Co. (2007 NY Slip Op 07844)](https://www.beynensonlaw.com/case-law/matter-of-health-endurance-med-p-c-v-deerbrook-ins-co-2007-ny-slip-op07844/) — Appellate Division, Second Department
- [Queens Community Med., P.C. v Motor Veh. Acc. Indem. Corp. (2008 NY Slip Op 50089(U))](https://www.beynensonlaw.com/case-law/queens-community-med-p-c-v-motor-veh-acc-indem-corp-2008-ny-slip-op-50089u/) — Appellate Term, Second Department
- [563 Grand Med., P.C. v Progressive Northeastern Ins. Co. (2008 NY Slip Op 50090(U))](https://www.beynensonlaw.com/case-law/563-grand-med-p-c-v-progressive-northeastern-ins-co-2008-ny-slip-op50090u/) — Appellate Term, Second Department
- [Acuhealth Acupuncture, PC v Country-Wide Ins. Co. (2015 NY Slip Op 51256(U))](https://www.beynensonlaw.com/case-law/acuhealth-acupuncture-pc-v-country-wide-ins-co-2015-ny-slip-op51256u/) — Trial court

### Section cited without a subdivision (12)

- [American Tr. Ins. Co. v Right Choice Supply, Inc. (2023 NY Slip Op 23039)](https://www.beynensonlaw.com/case-law/american-tr-ins-co-v-right-choice-supply-inc-2023-ny-slip-op-23039/) — Trial court
- [American Tr. Ins. Co. v U.S. Med Supply Corp. (2023 NY Slip Op 50560(U))](https://www.beynensonlaw.com/case-law/american-tr-ins-co-v-u-s-med-supply-corp-2023-ny-slip-op50560u/) — Trial court
- [American Tr. Ins. Co. v NextStep Healing, Inc. (2023 NY Slip Op 50521(U))](https://www.beynensonlaw.com/case-law/american-tr-ins-co-v-nextstep-healing-inc-2023-ny-slip-op50521u/) — Trial court
- [Community Med. Imaging P.C. v American Tr. Ins. Co. (2024 NY Slip Op 50301(U))](https://www.beynensonlaw.com/case-law/community-med-imaging-p-c-v-american-tr-ins-co-2024-ny-slip-op-50301u/) — Trial court
- [American Tr. Ins. Co. v PDA NY Chiropractic, P.C. (2023 NY Slip Op 50938(U))](https://www.beynensonlaw.com/case-law/american-tr-ins-co-v-pda-ny-chiropractic-p-c-2023-ny-slip-op50938u/) — Trial court
- [American Tr. Ins. Co. v Rutland Med., PC (2023 NY Slip Op 50814(U))](https://www.beynensonlaw.com/case-law/american-tr-ins-co-v-rutland-med-pc-2023-ny-slip-op50814u/) — Trial court
- [American Tr. Ins. Co. v Ortho City Servs. Inc. (2023 NY Slip Op 50527(U))](https://www.beynensonlaw.com/case-law/american-tr-ins-co-v-ortho-city-servs-inc-2023-ny-slip-op50527u/) — Trial court
- [American Tr. Ins. Co. v North Shore Family Chiropractic PC (2023 NY Slip Op 50208(U))](https://www.beynensonlaw.com/case-law/american-tr-ins-co-v-north-shore-family-chiropractic-pc-2023-ny-slipop-50208u/) — 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
- [ENS Med., P.C. v Nationwide Ins. Co. (2026 NY Slip Op 26033)](https://www.beynensonlaw.com/case-law/ens-med-p-c-v-nationwide-ins-co-2026-ny-slip-op-26033/) — Trial court
- [American Tr. Ins. Co. v Nexray Med. Imaging PC (2023 NY Slip Op50538(U))](https://www.beynensonlaw.com/case-law/american-tr-ins-co-v-nexray-med-imaging-pc-2023-ny-slip-op50538u/) — Trial court
- [American Tr. Ins. Co. v Nexray Med. Imaging PC (2023 NY Slip Op 50506(U))](https://www.beynensonlaw.com/case-law/american-tr-ins-co-v-nexray-med-imaging-pc-2023-ny-slip-op50506u/) — Trial court