Personal injury in
New York.
New York applies pure comparative negligence outside car crash cases and operates a no-fault auto scheme requiring claimants to meet the serious-injury threshold under § 5102(d) before recovering non-economic damages in tort.
New York operates pure comparative negligence under CPLR Article 14-A, but amendments effective 26 May 2026 bar recovery in car crash cases under the no-fault law when the claimant’s fault is greater than the defendants’. The state runs a comprehensive PIP no-fault scheme: drivers carry mandatory $50,000 PIP coverage for medical and wage benefits regardless of fault. Tort recovery for non-economic damages, pain and suffering, requires the claimant to meet the serious-injury threshold under Insurance Law § 5102(d).
The serious-injury threshold covers death, dismemberment, significant disfigurement, fracture, loss of a fetus, permanent loss of a body organ or function, permanent consequential limitation of use, and significant limitation of a body function or system. The well-known "90/180" category, for a non-permanent injury preventing usual activities for 90 of the 180 days after the accident, was removed effective 26 May 2026.
The general PI statute of limitations is three years, among the longer in the US. Medical malpractice runs in two years six months from the date of malpractice or from the end of continuous treatment for the same condition under the continuous-treatment doctrine.