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★ US · Northeast

Personal injury in
New York.

By Reviewed by Abd Shanti, Founder7 min read

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.

★ statute of limitations
3 years for personal injury; 2 years 6 months for medical malpractice

CPLR § 214, § 214-a

★ fault rule
Pure comparative negligence

Pure comparative negligence under CPLR Article 14-A, except that since 26 May 2026 a claimant in a car crash case under the no-fault law whose fault is greater than the defendants’ recovers nothing (CPLR 1411(b)).

★ NY · key facts

What makes New York different.

The handful of details that distinguish this jurisdiction from its neighbours.

★ NY · by injury

Claim values by injury type.

Reported decisions, the limitation clock, and how fault is apportioned for each injury type under New York law.

★ NY · court decisions

What New York courts have decided.

Reported New York decisions for each injury type, each with a link to the judgment and to the full injury guide.

★ NY · rules that decide claims

The rules in New York.

Statutes and rulings that come up again and again in New York injury claims, each with its source.

Serious injury thresholdPain and suffering after a car crash requires a serious injury: death, dismemberment, significant disfigurement, a fracture, loss of a fetus, permanent loss of use, permanent consequential limitation, or significant limitation of use. The 90/180 day category was removed effective 26 May 2026.Insurance Law § 5102(d); NYSBA Law Digest, August 2026
Fault rulePure comparative fault: your culpable conduct “shall not bar recovery” but reduces damages. Since 26 May 2026, in car crash suits under the no fault law, a claimant whose culpable conduct is greater than the defendants’ recovers nothing.CPLR 1411(a) and (b); NYSBA Law Digest, August 2026
Deadline to sueThree years for “an action to recover damages for a personal injury,” with exceptions for some claims.CPLR 214(5)
Seat belt useAffects damages only, never liability, and the defense must plead it.Veh. & Traf. Law § 1229-c(8), in the MyClaimWorth seat belt chart
Degeneration versus traumaWhen experts disagree about whether a herniation was caused by the accident or by degeneration, the jury decides, and its verdict stands if a fair interpretation of the evidence supports it.Eastman v. Nash (2d Dept 2017)
Claims against public bodiesA notice of claim within 90 days for cities, counties and the State; no damages cap.Gen. Mun. Law § 50-e; Court of Claims Act § 10, in the MyClaimWorth notice of claim chart
Expert proofExpert testimony that the manner of a procedure caused a brain injury is legally sufficient to support a verdict.Bianco v. Sherwin (2d Dept 2018)
Fractures and the thresholdA fracture is one of the listed categories of serious injury.Insurance Law § 5102(d)
★ other US jurisdictions

Compare across United States.

How New York compares with its neighbours in the Northeast on fault rule and limitation period.

JurisdictionFault ruleLimitation
New York· you are herePure comparative negligence3 years for personal injury; 2 years 6 months for medical malpractice
Connecticut (CT)Modified comparative, 51% bar2 years from date of injury
Delaware (DE)Modified comparative, 51% bar2 years from date of injury
District of Columbia (DC)Pure contributory negligence3 years from date of injury
Maine (ME)Modified comparative, 50% bar6 years for personal injury, longest in the US
Maryland (MD)Pure contributory negligence3 years from date of injury
Massachusetts (MA)Modified comparative, 51% bar3 years from date of injury
New Hampshire (NH)Modified comparative, 51% bar3 years from date of injury
New Jersey (NJ)Modified comparative, 51% bar2 years from date of injury
Pennsylvania (PA)Modified comparative, 51% bar2 years from date of injury
Rhode Island (RI)Pure comparative negligence3 years from date of injury
Vermont (VT)Modified comparative, 51% bar3 years from date of injury

Every United States jurisdiction compared

★ NY · frequently asked

Common questions.

Common questions about personal injury claims in New York, answered with the relevant statutory references.

★ editorial note

This page summarises the New York statutory framework as of 2026-05-09. It is not legal advice. Statutes change, published verdicts move, and the position within any band depends on facts the page can't see. For representation, consult an attorney qualified in New York. See /methodology, /sources, and /disclaimer.