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N650 Remark Code: No Policy in Force on Date of Loss

N650 means the property and casualty insurer, such as an auto carrier, found that the policy was not in effect on the date of loss (the accident date), so it provides no coverage for the injury-related services on the claim.

Code: N650 (RARC N650)
Status: Active In use since July 15, 2013.
Code set: Remittance Advice Remark Codes (RARC)
Group codes: CO (Contractual Obligation): The carrier is not liable, and it reports the full amount as an adjustment. Look for another payer rather than writing the balance off.
PR (Patient Responsibility): Some carriers use PR to indicate the claimant is responsible. The patient's health plan or another liability source may still apply, so check before billing the patient.
Official description: This policy was not in effect for this date of loss. No coverage is available.
X12 Remittance Advice Remark Codes, retrieved September 25, 2026
Last verified: September 24, 2026 against the official X12 list.

What N650 means

In property and casualty insurance, coverage is triggered by a loss event, such as an auto accident, and the question is whether the policy was active on that day. N650 is the carrier’s answer: on the date of loss it has on file, the policy was not in force. Maybe it had lapsed, been cancelled, or had not started yet.

Because the policy did not exist for that event, none of the injury-related services are payable by this carrier, no matter how appropriate the treatment was.

Common causes

The policy lapsed for non-payment or was cancelled before the accident.
The policy was bought after the accident.
The claim was filed with a carrier the patient had used previously.
The carrier has a different date of loss than the actual accident.
The patient gave you policy information for a vehicle or household member not involved.

What to do

Verify the date of loss with the patient and any accident report, and make sure it matches the carrier’s claim file.
Ask the patient about other coverage: the other party’s liability insurer, another auto policy, or the patient’s own health plan.
Bill the next payer with the N650 remittance or denial letter attached, since many health plans want proof that auto coverage was denied.
Dispute with the carrier only if you have evidence the policy was active on the correct date of loss.
Bill the patient only after other sources are exhausted and consistent with state law.

How to prevent it

For accident cases, collect the auto claim number, adjuster contact, and date of loss at intake, and verify coverage with the carrier before extended treatment. Keep the patient’s health insurance on file as well so you can move quickly if the auto claim is denied. The eligibility and COB root cause guide covers the broader workflow.

Codes that may appear with N650

PR-26 (Expenses incurred prior to coverage.): Expenses were incurred before the policy's coverage began.
PR-27 (Expenses incurred after coverage terminated.): Expenses were incurred after the policy had terminated.

N651 (No Personal Injury Protection/Medical Payments Coverage on the policy at the time of the loss.): The policy existed, but it did not include personal injury protection or medical payments coverage.
N652 (The date of service is before the date of loss.): The service date is earlier than the reported date of loss.
N653 (The date of injury does not match the reported date of loss.): The date of injury on the bill conflicts with the carrier's date of loss.
N583 (Patient was not an occupant of our insured vehicle and therefore, is not an eligible injured person.): The patient was not an occupant of the insured vehicle.

N650 FAQ

Which insurer should I bill after an N650?

Ask the patient about other coverage: another auto policy in the household, the other driver's liability carrier, or the patient's health insurance. Coordination rules for auto claims vary by state.

Could the carrier have the wrong accident date?

Yes. If the date of loss the carrier has on file is wrong, the coverage check will be wrong. Confirm the date with the patient and the accident report, then ask the adjuster to correct it.

Can I bill the patient's health plan?

Usually, but include the auto denial. Many health plans want proof that the auto carrier denied liability before they process accident-related claims.

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