Auto & No-Fault Law
Practical New York guidance on No-Fault benefits, claim deadlines, serious-injury rules, liability claims, insurance disputes, and the 2026 motor-vehicle reforms.
Start With the Question That Matches Your Situation
These explanations are organized around the issues readers most often encounter when a claim is being investigated, documented, negotiated, or litigated in New York.
What New York No-Fault Insurance Covers
Learn what first-party benefits are designed to pay after a motor-vehicle injury and how No-Fault differs from a liability claim for pain and suffering.
Read the topic →Where to File a New York No-Fault Claim
The correct insurer can depend on whether you were a driver, passenger, pedestrian, household member, or involved with an uninsured vehicle.
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The 30-Day No-Fault Notice Rule in New York
DFS generally requires written notice of a No-Fault claim within 30 days of the accident, unless a qualifying justification supports late notice.
Read the topic →No-Fault Medical Bill and Lost-Wage Submission Deadlines
Understand the separate timing rules DFS describes for health-service bills and lost-earnings claims under Regulation 68.
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Understanding New York’s $50,000 Basic Economic Loss Framework
A plain-language explanation of medical expenses, lost earnings, reasonable expenses, and how the statutory No-Fault structure fits together.
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New York’s Serious Injury Threshold After the 2026 Changes
Learn how the statutory serious-injury categories work after the May 26, 2026 amendments and why older online summaries may be outdated.
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Comparative Negligence in New York Car Accident Cases After May 26, 2026
The current CPLR § 1411 contains a special rule for Article 51 personal injury actions. Here is what that means when a claimant shares fault.
Read the topic →Pain and Suffering Claims After a New York Car Accident
Insurance Law § 5104 generally limits recovery of non-economic loss between covered persons unless the serious-injury requirement is satisfied.
Read the topic →Uninsured and Underinsured Motorist Coverage in New York
Learn why the at-fault vehicle’s policy may not be the only source of coverage and how uninsured or supplementary underinsured motorist issues can arise.
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No-Fault Denials, Medical Examinations, and Insurer Requests
Understand why No-Fault insurers may request verification, examinations, or other information and why ignoring claim correspondence can create serious problems.
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