Personal injury law covers what happens when someone else's negligence causes you harm — a crash, a fall, a construction accident, a medical error. In New York you generally have three years from the date of injury to sue, but several situations cut that short dramatically: medical malpractice is two years and six months, wrongful death is two years, and any claim against the City, the MTA or another public entity requires a Notice of Claim within 90 days.
New York law also changed significantly in May 2026, tightening what car-accident victims must prove and how fault is counted. Those changes make getting accurate, current advice more important than it has been in decades.
Dial4Law connects New York residents with independent, licensed personal injury attorneys across the five boroughs and New York State. Our intake team reviews your situation and shares it with an attorney whose practice covers that exact type of injury — typically within 2 hours during business hours.
Attorneys in the Dial4Law network handle:
Car, truck, bus and motorcycle accidents
Pedestrian and bicycle accidents, including e-bikes and scooters
Rideshare accidents (Uber, Lyft) and for-hire vehicles
Construction and work-site accidents, including Labor Law falls
Slip, trip and fall and other premises liability claims
Medical, dental and podiatric malpractice
Wrongful death claims
Dog bites and animal attacks
Product liability and defective products
Nursing home neglect and abuse
Claims against the City of New York, the MTA, NYCHA and other public entities

This is the question that decides whether you have a case at all. Miss the deadline and the claim is usually gone, no matter how strong it was.
| Type of claim | Deadline | Statute |
|---|---|---|
| Most personal injury (negligence) | 3 years from the date of injury | CPLR § 214(5) |
| Medical, dental or podiatric malpractice | 2 years 6 months from the act, or from the end of continuous treatment | CPLR § 214-a |
| Wrongful death | 2 years from the date of death | EPTL § 5-4.1 |
| Intentional torts (assault, battery) | 1 year | CPLR § 215 |
| Claim against a city, county, MTA, school district or NYCHA | Notice of Claim within 90 days, then suit within 1 year and 90 days | GML §§ 50-e, 50-i |
| Claim against the State of New York | Generally 90 days to file or serve in the Court of Claims | Court of Claims Act § 10 |
Two exceptions worth knowing. A child's clock is usually paused until age 18 (CPLR § 208) — though in medical malpractice the pause cannot exceed 10 years from the negligent act. And in limited situations, such as toxic exposure or a foreign object left in the body, a discovery rule can move the start date.
The 90-day municipal deadline is the one people miss most. If you were hurt on a city sidewalk, in a public school, in a NYCHA building, or by an MTA bus or subway, that clock starts immediately.
As part of the state budget signed in late May 2026, New York amended Insurance Law §§ 5102 and 5104 and added CPLR § 1411(b). Two changes matter to almost every injured New Yorker:
The "90/180" serious injury category was eliminated. Previously a non-permanent injury that kept you from your usual daily activities for 90 of the first 180 days could satisfy the serious injury threshold. That route is gone for actions commenced on or after May 26, 2026. Eight categories remain.
Car accident cases moved to modified comparative fault. Under new CPLR § 1411(b), a plaintiff in a motor vehicle case whose fault is greater than the combined fault of the defendants recovers nothing. At 50% or less, you still recover, reduced by your share.
These changes generally apply to cases filed on or after May 26, 2026, so the filing date can matter as much as the accident date. Cases already pending are generally unaffected. Because much of the information online still describes the old rules, this is worth confirming with an attorney.

New York is a No-Fault state for motor vehicle injuries. Your own insurer pays certain basic economic losses regardless of who caused the crash — up to $50,000 in Personal Injury Protection, covering medical treatment, a portion of lost earnings, and certain necessary expenses.
No-Fault runs on strict deadlines:
30 days — file your No-Fault application (Form NF-2) with the insurer
45 days — your medical providers must submit bills
90 days — submit proof of lost earnings
Miss the 30-day filing and benefits can be denied outright, absent a valid written excuse.
What No-Fault does not cover is just as important: it pays no compensation for pain and suffering. For that, you must file a lawsuit — and to do that in a motor vehicle case, you must clear the serious injury threshold below.
Motorcyclists are excluded from No-Fault benefits in New York. That changes the analysis considerably, and motorcycle claims should be reviewed on their own terms.
To sue for pain and suffering after a New York motor vehicle accident, your injury must fall within Insurance Law § 5102(d). Following the 2026 amendment, the qualifying categories are:
1. Death
2. Dismemberment
3. Significant disfigurement
4. A fracture
5. Loss of a fetus
6. Permanent loss of use of a body organ, member, function or system
7. Permanent consequential limitation of use of a body organ or member
8. Significant limitation of use of a body function or system
If just one injury qualifies, you may recover for all of your injuries. Soft-tissue and spinal claims are the most heavily litigated, because the dispute is rarely whether you are hurt — it is whether objective medical evidence proves a qualifying degree of limitation. Prompt and consistent medical treatment is often what makes or breaks this.
This threshold applies to motor vehicle cases. It does not apply to slip and falls, construction accidents or medical malpractice.
New York now runs on two tracks:
Motor vehicle cases (filed on or after May 26, 2026): modified comparative fault. If your share of fault is greater than the defendants' combined share, you recover nothing. At 50% or less, your damages are reduced by your percentage.
All other injury cases — slip and fall, construction, premises, product liability: pure comparative fault still applies (CPLR § 1411(a)). You can recover even if you were mostly at fault, reduced by your share.
Insurers know this. Expect an aggressive push to assign you more than half the blame in any car accident claim — which is precisely why what you say to an adjuster early matters.
No honest source can value your case from a web page — it depends on the injury, the medical evidence, the available insurance and the fault split. But New York damages generally fall into three groups:
Economic damages: medical bills, future treatment, lost earnings, lost earning capacity, household help
Non-economic damages: pain and suffering, loss of enjoyment of life, loss of consortium
Punitive damages: rare, reserved for conduct that is reckless or malicious
New York does not cap compensatory damages in ordinary injury cases. Be cautious with online "settlement calculators" — they cannot account for the threshold, fault allocation, liens or policy limits, and they routinely mislead.
Wrongful death is the notable limit. Under EPTL § 5-4.1, New York still restricts recovery largely to pecuniary (economic) loss — grief and loss of companionship are not separately compensable. The Grieving Families Act, which would change this, has passed the Legislature repeatedly but has been vetoed four times, most recently in December 2025; a further version introduced in May 2026 remains pending and is not law. Families should proceed under current law rather than waiting on Albany.
Almost all personal injury work is handled on contingency — the attorney is paid a percentage of the recovery, and if there is no recovery there is no attorney's fee.
| Case type | Typical attorney fee |
|---|---|
| Most personal injury (car, fall, construction, wrongful death) | About one-third (33⅓%) of the recovery |
| Cases that go to trial | Sometimes higher by agreement, within court limits |
| Medical, dental or podiatric malpractice | Statutory sliding scale (below) |
| Portion of recovery | Maximum fee |
|---|---|
| First $250,000 | 30% |
| Next $250,000 | 25% |
| Next $500,000 | 20% |
| Next $250,000 | 15% |
| Above $1,250,000 | 10% |
Read the retainer carefully on two points. First, whether the percentage is calculated on the gross or the net recovery. Second, case expenses — filing fees, expert witnesses, deposition transcripts, medical records — are separate from the attorney's fee. Firms usually advance them and recover them from the settlement, but you should ask directly what happens to those costs if the case does not succeed. New York requires a written retainer that states the fee method.
Gaps in treatment are the single most common reason claims fall apart.
To police for a crash, or to the property owner or your employer for a fall or work injury.
Photographs, the scene, your damaged property, witness names, and any incident report.
If a motor vehicle was involved.
You are not required to give the other side’s insurer a recorded statement.
Your attorney gathers records, establishes liability and presents a demand.
If the insurer will not pay fairly.
If litigation is filed.
Most cases settle.
| Stage | Typical range |
|---|---|
| Straightforward claim settled without suit | A few months to about a year |
| Case filed in court, settled during litigation | About 1 to 2 years |
| Case tried to verdict | 2 to 4 years, sometimes longer |
| Medical malpractice | Usually longer — expert review alone often takes 90+ days |
Two things stretch a case: how long you are still treating (your claim cannot be valued until your medical picture is clear), and how hard the insurer fights liability.

your situation, your borough or county, and how urgent it is. Takes about two minutes.

a real person on our intake team identifies the type of family matter and shares your case with an attorney who handles it.

often the same business day — to explain your options and their fees.
If your incident involved a public entity, or a filing deadline is close, tell us — those cases are escalated.
There is no upfront cost to use Dial4Law. Most personal injury attorneys in the network offer a free initial consultation and work on contingency, meaning no attorney's fee unless there is a recovery; case expenses are handled separately and each attorney will explain their own terms. Communications with Dial4Law are not protected by attorney-client privilege — privilege applies only between you and an attorney who agrees to represent you.
Generally three years from the date of injury. Medical malpractice is two years and six months, wrongful death is two years, and intentional torts are one year. Claims against a city, the MTA or another public entity require a Notice of Claim within 90 days and suit within one year and 90 days.
In a motor vehicle case you must prove a "serious injury" under Insurance Law § 5102(d) to sue for pain and suffering. Following the 2026 amendment there are eight qualifying categories, including death, dismemberment, significant disfigurement, a fracture, loss of a fetus, permanent loss of use, permanent consequential limitation, and significant limitation of use.
Yes. Effective May 26, 2026, the 90/180-day serious injury category was eliminated, and new CPLR § 1411(b) applies modified comparative fault to motor vehicle cases. The changes generally apply to actions commenced on or after that date.
In most New York injury cases, yes — pure comparative fault reduces your recovery by your share but does not bar it. In motor vehicle cases filed on or after May 26, 2026, a plaintiff more at fault than the defendants combined recovers nothing.
Up to $50,000 in basic economic loss — medical treatment, a portion of lost earnings and certain necessary expenses — regardless of fault. It does not cover pain and suffering. You must file Form NF-2 within 30 days of the accident.
Most work on contingency at about one-third of the recovery, with no attorney's fee if there is no recovery. Medical malpractice fees follow a statutory sliding scale under Judiciary Law § 474-a, starting at 30% of the first $250,000 and decreasing to 10% above $1.25 million. Case expenses are separate — ask how they are handled.
Typically no. Personal injury attorneys usually advance case expenses and are reimbursed from any recovery. Ask specifically what happens to those advanced costs if the case is unsuccessful, as arrangements vary.
It depends on the severity of the injury, the medical evidence, available insurance coverage and the fault allocation. Online calculators cannot account for the serious injury threshold, liens or policy limits. An attorney can give a realistic range after reviewing your records.
Not always, but a consultation is usually free and worth it. Injuries that seem minor can turn out to meet the threshold, and early decisions — recorded statements, quick settlement offers, gaps in treatment — are difficult to undo.
You must cooperate with your own No-Fault insurer, but you are not required to give the other side's insurer a recorded statement. Be cautious: early statements are routinely used to shift fault, which now matters more in car accident cases.
Act immediately. You must serve a Notice of Claim within 90 days, usually attend a 50-h hearing, and file suit within one year and 90 days. These deadlines are far shorter than the ordinary three years.
Workers' compensation is generally your exclusive remedy against your employer, but you may also have a separate third-party claim against another party — and New York's Labor Law gives construction workers particularly strong protection for height-related injuries.
Claims settled without a lawsuit often resolve within a few months to a year. Filed cases commonly take one to two years, and cases tried to verdict can take two to four years or more.
New York currently limits wrongful death recovery largely to pecuniary loss, such as lost financial support and services. Grief and loss of companionship are not separately recoverable. The Grieving Families Act, which would change this, has been vetoed four times and is not law.
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