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New York's no-fault insurance pays your first medical bills, but it caps lost wages and pays nothing for pain and suffering. To bring a full claim, your injury has to meet the state's 'serious injury' rule. Insurers count on you not knowing where those lines are. We spent two decades learning exactly where they are.
Generally 3 years from the crash to file a lawsuit. No-fault benefits need a written claim within 30 days, and claims against a city vehicle need a notice of claim within 90 days.
Cases we handle
If it just happened
More detail in our after-an-accident guide.
How we build the case
Fault: police reports, intersection cameras, vehicle data and witness canvassing before memories fade
Serious injury: building the medical record that meets New York Insurance Law §5102(d)
The real cost: future treatment, lost earning power and the daily-life impact adjusters leave out of their first number
Compensation
Medical bills, past and future, beyond what no-fault covers
Lost wages and reduced earning power
Pain, suffering and loss of enjoyment of life
Property damage and out-of-pocket costs
Every case is different, and no lawyer can promise a result. Our settlement calculator shows how claims are first estimated, with the math visible.
Who leads these cases
“The insurance company offered me $19,000 and called it generous. Marcus told me to wait for the MRI before deciding anything. What I remember most is that he called me back at 11pm the night of my crash.”
Example results
Example result Settled with three insurers
$1,200,000
Illustrative amount, not a real case
Rideshare passenger Car Accidents Tone: Favorable
A 29-year-old graduate student needed spinal fusion surgery after a multi-car crash. Three insurers each blamed the others. We brought claims against all three layers of coverage.
Example result Settled after an independent MRI
$890,000
Illustrative amount, not a real case
Rear-end collision Car Accidents Tone: Favorable
Two herniated discs and nerve pain for a 51-year-old MTA employee. The insurer's first offer was $19,000 for 'soft tissue only.' Independent imaging showed otherwise.
Example result Modest settlement
$24,500
Illustrative amount, not a real case
Low-speed rear-end Car Accidents Tone: Modest result
A delivery driver had eight weeks of physical therapy after a low-speed crash. The injuries healed fully. The settlement covered what no-fault didn't, plus his missed shifts.
We told him early this would be a small case. It was, and it was fair.
Example results for a sample website, not real cases. Past results never guarantee a future outcome.
Common questions
Not before someone values your claim independently. First offers often arrive before anyone knows how serious an injury is. Once you sign a release, the claim is over for good, even if you need surgery a month later. A free case review costs nothing and creates no obligation.
New York follows pure comparative negligence. Your recovery is reduced by your share of fault, not wiped out. A driver found 60% at fault can still recover 40% of their damages. Don't let an adjuster tell you that partial fault means no case.
Often, yes. Your own policy's uninsured and underinsured (UM/SUM) coverage may apply. If you have no car insurance of your own, New York's MVAIC fund can sometimes step in. In rideshare and delivery crashes there are often other policies, too. Finding every layer of coverage is one of the first things we do.
More answers on our FAQ page. General information for New York, not legal advice about your situation.
Free case review · Available 24/7
Twenty minutes on the phone, no obligation, and an honest answer about whether you have a case.