# No-Fault IME and Peer Review Packets > Record packets for auto no-fault independent medical examinations and peer reviews: treatment history condensed and page-cited inside the statutory clock. Canonical page: https://medrecords.ai/solutions/no-fault-ime-record-packet/ --- New — **Missing Records Detection:** flags every visit, provider, and date missing from the file. [See how →](https://medrecords.ai/product/missing-records-identification/) [Home](https://medrecords.ai/) ›[Solutions](https://medrecords.ai/solutions/) › — No-Fault IME Packet NO-FAULT IME AND PEER REVIEW PACKETS ## Thirty days to decide, and the file arrives on day twenty-six. No-fault IME and peer review packet services condense an auto claimant’s treatment history into a page-cited brief the examining or reviewing physician can read inside the statutory clock: dates of service, modalities billed, prior injuries and the current course. The medical opinion is the physician’s. [Test a file ](https://medrecords.ai/test-a-file/?src=no-fault-ime-record-packet) [Book a demo](https://medrecords.ai/demo/) Click any row → the source page it cites Review packet · Case #IME-4812 documented Adams, Timothy · no-fault claim file 342 pp / 2 packets received logged 11 duplicate pages removed free p.140 — wrong patient quarantined Pages 342 Documents 27 Cited 100% ### The clock is in the regulation. The arbitrator reads it back. We do not build for a case type until we can name the standard that defines a correct output and the person who grades the file against it. In auto no-fault medical review, both are already published. The standard and the referee The rulebook - New York’s no-fault regulation, 11 NYCRR Part 65-3, which sets the verification process, the examination scheduling rules and the thirty-day period to pay or deny a claim - New York Insurance Law §5106(b), which sends a denied no-fault claim to arbitration before the designated organization - Michigan’s No-Fault Act at MCL 500.3151, which governs mental and physical examinations of a claimant - Florida Statutes §627.736(7), which conditions withdrawal of benefits on a report by a like-licensed physician stating the treatment was not reasonable, related or necessary The referee - The no-fault arbitrator, who reviews the denial and the report it rested on - The state department of insurance on a market conduct examination of claims handling - The court on a first-party action to recover benefits, and the treating provider as assignee A denial overturned because the report never addressed the treatment at issue From 10¢ to as low as 5¢/page here, duplicates free Review packet · Case #IME-4812 cited 100% Packet — 342 pp / 2 packets · 11 deduplicated — logged Treatment history — Condensed by provider and date of service — cited Modalities billed — Carried with dates and frequency — cited Prior injuries — Same body part, before the loss date — flagged Packet delivered · cited 100% · no medical necessity opinion How it works ### 3 steps between the claim file and the reviewer. 01 #### Send the claim file Bills, treatment notes, imaging reports, prior claim records and the police or loss report, in any format and any order. 02 #### We return the packet, page-cited A short brief: providers, dates of service, modalities and frequency, the current course, and any documented treatment to the same body part before the loss. 03 #### The physician reviews or examines They form and sign the opinion on reasonableness, relatedness and necessity under their own license, inside the statutory clock. The boundary, in writing ### A packet for the reviewer, not a determination on the claim. We condense and cite the claim file. We do not opine on medical necessity, relatedness or reasonableness, decide whether to pay or deny, draft a denial, or examine the claimant. Those are the reviewing physician’s and the carrier’s decisions, and an arbitrator will test them. In the demo case, 11 duplicate copies were removed before review. No-fault files duplicate heavily across provider submissions, and duplicated dates of service are the usual reason a treatment frequency looks inflated. Audit trail · Case #IME-4812 exportable 08:12 — Packet received · 342 pp / 2 packets — system 08:31 — 11 pages deduplicated — system 08:44 — p.140 flagged — wrong patient — system 08:54 — Review packet complete · packet delivered · cited 100% — system 09:20 — Review packet reviewed · citations verified — reviewer 09:26 — Review packet exported · review report written by the physician — reviewer Every access logged · file deleted 30 days after delivery Why Medrecords AI ### The rules the platform never breaks. EVERY LINE CITED CASE #IME-4812 · ADAMS, T. 342 pp 2/14 — ER visit, right knee p.4 4/18 — arthroscopic surgery p.61 p.140 — wrong patient quarantined Medrecords AI Read every page · cite every line #### HIPAA, under a signed BAA Every file is handled under our Business Associate Agreement, from the first byte. #### Never trains a model Your records are never used to train any AI model — ours or anyone else's. #### Every line cited If we can't cite it, we don't say it. Every sentence links to its source page. #### Deleted after delivery Files are deleted 30 days after delivery, with a full audit log of every access. Powered by the platform ### 7 capabilities behind every review packet. The review packet is one deliverable of the same platform that reads, sorts, and cites the whole record. [ #### Medical Records OCR Every page read in full, including the handwritten daily treatment notes that arrive as scans. IN ACTION · 342 pp / 2 packets, read in full ](https://medrecords.ai/product/ocr/) [ #### Medical Chronology Dates of service assemble by provider into one timeline, so frequency and overlap are visible rather than tallied by hand. IN ACTION · loss date → current treatment, one timeline ](https://medrecords.ai/product/chronology/) [ #### Verifiable AI Citations Every line carries its page, so a report written from the packet cites the record rather than a summary. IN ACTION · packet → cited 100% ](https://medrecords.ai/product/citations/) [ #### Medical Summary Reports It exports into the reviewer’s template so the report goes out inside the clock. IN ACTION · packet → reviewer template ](https://medrecords.ai/product/summaries/) [ #### Medical Record Deduplication Forty charts pulled from multiple practices and EHR migrations carry their share of duplicate visit notes. Each is matched and collapsed to one canonical record, so the prescribing pattern is read once per real encounter. IN ACTION · 40 charts → duplicate visit notes collapsed to 1 record each ](https://medrecords.ai/product/medical-record-deduplication/) [ #### Missing Records Identification A prescribing pattern read across 40 charts is only as sound as the file behind it. When a chart references a visit, refill, or referral that never made it into the production, the gap is flagged before the pattern goes to the board. IN ACTION · prescribing pattern cross-checked → gaps flagged before submission ](https://medrecords.ai/product/missing-records-identification/) [ #### Cross-Exam Simulator A board investigator or defense counsel builds a case from the chart abstraction. This tool maps the questioning a physician facing that hearing is likely to face on the gaps and pattern in their own record. A rehearsal tool, not legal advice. IN ACTION · prescribing pattern → likely hearing questions mapped ](https://medrecords.ai/product/cross-exam-simulator/) FAQ ### No-fault review packets, answered. No. Necessity, relatedness and reasonableness are opinions a like-licensed physician gives under their own license, and in several states the statute says so explicitly. We supply the cited record they read, condensed to fit the decision window. Files usually arrive late in the period, already thousands of pages. Review starts in minutes from upload rather than days, so the physician gets a short cited brief with time left to form an opinion instead of a stack with time left to skim one. No. We do not obtain records from providers, carriers or claim databases. You send what you already hold, including prior claim records if you have them, and the packet is built from that. No. Medrecords AI does not retrieve records from providers or facilities. You bring the records you already have — review starts in minutes from upload. Retrieval vendors take days; you can keep yours and still cut the review to minutes. ### Send one file. We'll tell you what we can read. No obligation. If the case type is buildable we'll scope it; if it isn't, we'll say so. [Test a file ](https://medrecords.ai/test-a-file/?src=no-fault-ime-record-packet) [Book a demo](https://medrecords.ai/demo/) [See every case type we process →](https://medrecords.ai/solutions/case-types/) ### More solutions - [**400 narratives, one house style, and a submission date.** — Patient narratives for deaths, serious adverse events and discontinuations, drafted to the ICH E3 clinical…](https://medrecords.ai/solutions/csr-patient-narrative-drafting/) - [**45 days to a credible RCA. 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However many pages the chart runs to.** — Page-cited record review for Pennsylvania Rule 1042.3 certificates of merit — the file read in full before a…](https://medrecords.ai/solutions/pennsylvania-certificate-of-merit/)