If an insurer requires additional verification to process a no-fault claim, it “shall be requested within 15 business days of receipt of the prescribed verification forms.” 11 NYCRR 65-3.5(b). “The insurer is entitled to receive all items necessary to verify the claim directly from the parties from whom such verification was requested.” 11 NYCRR 65-3.5(c). Moreover, “if any requested verifications [sic] has not been supplied to the insurer 30 calendar days after the original request, the insurer shall, within 10 calendar days, follow up with the party from whom the verification was requested, either by telephone call, properly documented in the file, or by mail. At the same time the insurer shall inform the applicant and such person’s attorney of the reason(s) why the claim is delayed by identifying in writing the missing verification and the party from whom it was requested.” 11 NYCRR 65-3.6(b).

While an insurer ordinarily has 30 days from receipt of a claim to pay or deny it, upon making a request for additional verification, such time period is tolled until the insurer receives all relevant information requested. Ins. Law §5106(a); 11 NYCRR 65-3.8; see Nyack Hospital v. General Motors Acceptance, 8 N.Y.3d 294 (2007); Hosp. for Joint Diseases v. New York Cent. Mut. Fire Ins. Co., 2007 NY Slip Op 08038 (2d Dept. 2007) (“Since the requested verification was not provided, the 30-day period within which the defendant was obligated to pay or deny the hospital’s claim did not begin to run.”); Beta Supply v. Government Empls. Ins. Co., 20 Misc.3d 129(A) (App. Term 1st Dept. 2008) (“Inasmuch as an insurer is not required to pay or deny a claim until it receives verification of all relevant requested information … and it being undisputed on this record that plaintiff did not respond to defendant’s verification requests, plaintiff’s claim for payment was premature.”).