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