How New York's "No-Fault" system affects your claim
New York is a no-fault insurance state. After most crashes, your own insurance ("PIP") initially covers medical bills and a portion of lost wages, regardless of who caused the accident. But no-fault has strict deadlines and limits — and it does not pay for pain and suffering. When your injuries meet New York's "serious injury" threshold, you may step outside no-fault and pursue a full claim against the at-fault driver for pain, suffering, and long-term losses. Knowing which path applies to your case is where an experienced attorney makes the difference.
Types of car accident cases we handle
- Rear-end and intersection collisions
- Distracted, drunk, and reckless driving crashes
- Hit-and-run and uninsured/underinsured motorist claims
- Rideshare (Uber/Lyft), taxi, and for-hire vehicle accidents
- Highway crashes (LIE, BQE, Grand Central, Cross Bronx)
- Multi-vehicle and commercial truck collisions
- Pedestrian and cyclist injuries
Compensation you may be entitled to
Depending on your case, recovery can include medical expenses (current and future), lost wages and reduced earning capacity, pain and suffering, rehabilitation and long-term care, and property damage. We work with medical and economic experts to document the full, long-term impact of your injuries — not just today's bills.
What to do after a NYC car accident
- 1Get medical care immediately — gaps in treatment are used against you.
- 2Report the accident and get the police report number.
- 3Photograph the scene, vehicles, and injuries if you can.
- 4Do not give a recorded statement to the other driver's insurer.
- 5Call a lawyer before accepting any settlement offer.
Deadlines matter
In New York, you generally have three years from the date of the crash to file a personal injury lawsuit (CPLR §214(5)). Cases involving a city bus, MTA, or other government vehicle have much shorter deadlines — a notice of claim within 90 days and suit within one year and 90 days. Waiting can permanently end your right to recover.
Frequently Asked Questions
How much does a car accident lawyer cost?
We work on contingency — no upfront fee, and no fee unless we win. Clients may be responsible for case costs and disbursements; we explain this clearly before you sign.
How long do I have to file a claim in New York?
Generally three years from the date of the accident, but claims against government entities can require a notice of claim within 90 days. Talk to a lawyer promptly to protect your deadline.
What if the accident was partly my fault?
New York follows comparative negligence — you can still recover even if you were partially at fault, with your recovery reduced by your share of fault.
What if the other driver had no insurance?
Your own policy's uninsured/underinsured motorist coverage may apply. We help you pursue it.
Do I have to go to court?
Most cases settle, but we prepare every case as if it will go to trial — which strengthens your negotiating position.