New York Personal Injury Laws
New York follows a pure comparative fault system, meaning you can recover damages even if you are 99% at fault — your recovery is simply reduced by your percentage of fault. The general statute of limitations for personal injury is 3 years. New York is a no-fault auto insurance state with mandatory PIP coverage up to $50,000, so you must meet a "serious injury" threshold to sue for pain and suffering.
Last verified: 2026-02-25
Statute of Limitations
Personal injury claims must be filed within 3 years of the date of injury.
Exceptions
For injuries caused by latent effects of exposure to substances, the 3-year period runs from when the injury was or should have been discovered.
The statute of limitations is tolled during infancy. For non-medical malpractice cases, the time extends to 3 years after the disability ceases. For medical malpractice, tolling is capped at 10 years from the date of the act.
Wrongful death actions must be commenced within 2 years of the decedent's death. Damages are limited to pecuniary injuries to distributees plus medical and funeral expenses.
Claims against a municipality require a written, sworn notice of claim served within 90 days of the incident. A lawsuit must then be filed within 1 year and 90 days.
Fault & Liability Rules
New York follows pure comparative negligence. You can recover damages regardless of your percentage of fault — your award is simply reduced by your share of responsibility. Even if you are 99% at fault, you can recover 1% of your damages.
Damage Caps
New York does not impose a statutory cap on compensatory damages in personal injury cases.
There is no fixed statutory cap on punitive damages. Courts apply constitutional proportionality limits.
Auto Insurance System
New York is a no-fault auto insurance state. Drivers must carry $50,000 in Personal Injury Protection (PIP) covering medical expenses, lost earnings (80%, max $2,000/month for 3 years), and other expenses. To sue for pain and suffering, you must show a "serious injury" — such as death, dismemberment, significant disfigurement, fracture, or a non-permanent injury preventing normal activities for 90 of the first 180 days.
Tort Threshold
Death, dismemberment, significant disfigurement, fracture, loss of fetus, permanent limitation of use, or 90/180-day disability
Filing Requirements
Filing fee for an index number in New York Supreme Court is $210, plus $95 for a Request for Judicial Intervention.
Cases are generally filed in the county where a party resides or where the cause of action arose.
Key New York Statutes
A defendant found 50% or less at fault for non-economic damages is liable only for its proportionate share. Defendants more than 50% at fault remain jointly and severally liable. Exceptions include motor vehicle cases, intentional torts, and Labor Law actions.
The personal representative may bring a wrongful death action within 2 years of death. Damages are limited to pecuniary injuries to distributees (no pain and suffering recovery for the deceased's survivors).
A person injured by reason of intoxication may have a right of action against the person who unlawfully sold or assisted in procuring the alcohol that caused the intoxication.
New York follows a hybrid approach. For non-dangerous dogs, the common law one-bite rule applies (owner must have known of vicious propensity). Once a dog is declared "dangerous," the owner is strictly liable for medical costs from bites.
Official Sources
Not Legal Advice
This information is for general reference only and does not constitute legal advice. Laws change — verify current statutes at New York Senate — Laws. For advice about your specific situation, consult a licensed attorney.
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