In New York City, your own auto insurance pays your medical bills first after a car accident, no matter who caused the crash. This coverage is called Personal Injury Protection (PIP), and every New York auto policy must carry a minimum of $50,000 per person. It applies to drivers, passengers, pedestrians, and cyclists injured in

You are required to report a car accident in New York City in most situations. New York law requires you to call 911 immediately if anyone is injured or killed, and to file Form MV-104 with the DMV within 10 days if the crash caused an injury, a death, or more than $1,000 in property

A failure to yield car accident occurs when a driver ignores their legal duty under New York Vehicle and Traffic Law Sections 1140 through 1146 to give another driver, cyclist, or pedestrian the right-of-way, and a collision follows. This is negligence under New York law, and it gives you the right to hold that driver

Insurance companies use predictable tactics to devalue car accident claims in New York City, from lowball offers, recorded statements, disputing your medical treatment, monitoring your social media, or inflating your share of the fault to shrink your payout. Understanding this playbook, and your rights under New York’s no-fault and serious injury rules, is the first

If your car was totaled in a New York City accident that wasn’t your fault, you are entitled to the Actual Cash Value of your car, a rental while your claim is resolved, and money for injuries that meet New York’s legal threshold. The at-fault driver’s insurance covers your car, your No-Fault insurance pays medical

Liability in a New York City car accident claim determines who must pay for your injuries, medical bills, and lost income after a crash. Responsibility can fall on the driver, the vehicle’s owner, an employer, or another negligent party, and New York’s no-fault system shapes when you can sue beyond your own insurance. What Is