New York No-Fault Auto Insurance: What It Covers, How to File, and What to Do If Your Claim Is Denied

Auto Accident, Personal InjuryLeave a comment

New York’s no-fault auto insurance covers up to $50,000 in medical expenses, 80% of lost earnings, and other costs — regardless of fault. Learn what’s covered, how to file your NF-2 application within the 30-day deadline, what to do when claims are denied, and how no-fault interacts with your right to sue for pain and suffering.

The 90/180 Day Rule in New York Auto Accidents: How Non-Permanent Injuries Can Meet the Serious Injury Threshold

Auto Accident, Personal InjuryLeave a comment

The 90/180 day rule under New York Insurance Law §5102(d) allows car accident victims to sue for pain and suffering if a non-permanent injury prevented them from performing substantially all of their usual daily activities for at least 90 of the first 180 days after the accident. Learn how this category works, what evidence is required, and why most claims fail.

What Qualifies as a “Serious Injury” Under New York Insurance Law §5102(d)?

Auto Accident, Personal InjuryLeave a comment

New York’s No-Fault law requires car accident victims to prove a “serious injury” under Insurance Law §5102(d) before they can sue for pain and suffering. The statute defines nine categories including fractures, significant disfigurement, permanent limitation of use, and the 90/180 day rule. Understanding this threshold is critical to any New York auto accident claim.