Can I reopen my no-fault file?

Q. My doctor says my No-Fault file was closed. Can I reopen my no-fault file?

A. Yes. This is a common and unscrupulous trick insurance companies use to prevent you from getting medical treatment! If you have been told your No-Fault file was closed, it probably is not closed.

computer key with the word reopen on the key symbolizing reopening the no-fault file

How Insurance Companies Close Your No-Fault File

Insurance companies “close” no-fault files for inactivity. A no-fault file becomes inactive if they don’t receive a bill for medical treatment within a few months and the insurance company simply “closes” your file.

What Happens When Your No-Fault Insurance Company Closes Your No-Fault File?

You will usually find out your no-fault file was “closed” when you go to a doctor and your doctor calls your no-fault insurance company to make sure they will get paid.

Your doctor’s office will call and ask the claims representative “is Jane Doe’s no-fault file still open?”

The claims representative will reply, “No, the file is closed” and your doctor will tell you that you need another source of payment to receive medical treatment.

Why Do Insurance Companies Close Your No-Fault File?

That’s simple. They do it to save money so they don’t have to pay for your medical treatment, thereby defrauding their insureds. Their stated purpose is so they don’t clog up claim representatives’ computer screens with hundreds of open files when claimants are no longer being treated.

How Can I Reopen My No-Fault File?

That’s also simple. Just tell your doctor to send another medical bill to be paid by no-fault. When your no-fault insurance company receives the bill for payment, they will simply reopen your no-fault file.

Are There Other Reasons My No-Fault File May Be Closed?

Your no-fault file can technically only be closed if it paid out all of the money that was available.

You can be denied further medical benefits for a particular medical specialty if you have been examined by a no-fault doctor in this same medical specialty. For instance, an orthopedic surgeon working for no-fault cannot stop you from seeing a neurologist.

If you are examined by an orthopedic surgeon working for the no-fault insurance company and the no-fault orthopedic surgeon issues a report denying you further orthopedic benefits, you won’t be able to get no-fault to pay for your orthopedic treatment. Your orthopedic benefits have been denied but your no-fault file has not been closed.

Being denied further medical benefits is different than closing your file because you have the right to file a lawsuit or arbitration claiming that you were wrongfully denied medical benefits. If you win, you will be entitled to have no-fault pay your doctor again.

Unfortunately, you should never file a lawsuit or arbitration to contest a no-fault denial until after your personal injury case has been settled.

However, we have been successful in getting the no-fault insurance company to reverse a denial when our client needed surgery.

See more reasons why no-fault may be denying your medical bills.

See more answers to FAQs

comments button

Attorney Phil FranckelPhilip L. Franckel, Esq. is the author of all articles and content on this website.

Mr. Franckel is a personal injury lawyer and Founding Partner of 1-800-HURT-911® New York. He has a 10 Avvo Rating, Avvo Client’s Choice Award with all 5-star reviews, Avvo Top Contributor, and is a former Member of the Board of Directors of the New York State Trial Lawyers Association. See Mr. Franckel’s bio.

divider line gold - thick

1-800-HURT-911® Personal Injury Lawyers "As Seen On TV" ABC, CBS, NBC, FOX, , WOR, WPIX logos

Get the 1-800-HUR-T911® Dream Team™ on your side and become a member of our family!

“Knowing I had a team of great lawyers on my side gave me a sense of power and peace of mind. They took care of everything for me. When a settlement was negotiated, I saw the difference a team of lawyers makes.”
—Lia Fisse

No Win — No Fee — No Expenses — Guaranteed!

Personal Injury Lawyer Screened by Google

Attorneys who can get you the most amount of money AND provide personal service!

Free Personal Injury Consultation call button  Chat to get your free Personal Injury consultation right now button

Please take a look at some of our:

What will happen when I call 1-800-HURT-911 or chat?

  1. Our call center operators and chat operators are available 24/7.
  2. Just give your contact info to our operator and Founding Partner Rob Plevy, Esq. will call you within 5-10 minutes for your free, no-obligation consultation during the hours of 8 am – 10 pm. After hours, Rob will call you in the morning or at the time you want.
  3. Then just text or call us any time you want during your case!

Because any delay could cause you to lose viable rights and benefits, please call HURT-911® Founding Partner Rob Plevy, Esq. right now for a free consultation to find out your rights days/nights/weekends.
1-800-HURT-911
1-800-487-8911

You can speak, text, or email with us whenever you want throughout your case and afterward, days/nights/weekends, and experience our famous personal service. You’ll even get our personal phone numbers so you can call or text anytime!

Watch Founding Partner Phil Franckel, Esq. talk about New York Serious Injury Attorneys.com, difficult cases, and the 1-800-HURT-911® Dream Team™


Philip L. Franckel, Esq. is one of the HURT911® Dream Team™ Founding Partners at 1-800-HURT-911® New York; He has a 10 Avvo rating; Avvo Client’s Choice with all 5-star reviews; Avvo Top Contributor; and a former Member of the Board of Directors of the New York State Trial Lawyers Association.

1-800-HURT-911® Founding Partner and Personal Injury Lawyer Rob Plevy, Esq.

Founding Partner Rob Plevy, Esq.

Robert Plevy, Esq. is one of the HURT911® Dream Team™ Founding Partners at 1-800-HURT-911® New York. Rob began his legal career in 1993 as an Assistant Corporation Counsel defending The City of New York against personal injury lawsuits.

Get the HURT911® Dream Team on your side!
Call Attorneys Rob Plevy & Phil Franckel days/nights/weekends for a free consultation
1-800-HURT-911

1-800-487-8911

New York Serious Injury Lawyer logo

divider line gold - thick