Personal Injury Lawyer in NYC

Personal injury

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.

Matters We Handle

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

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How Long Do I Have to File a Personal Injury Claim in New York?

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.

What Changed in New York in May 2026

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.

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New York No-Fault Insurance: What It Covers

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.

The Serious Injury Threshold (8 Categories)

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.

What If I Was Partly at Fault?

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.

What Is My Personal Injury Case Worth?

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.

What Does a Personal Injury Lawyer Cost in New York?

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)

Medical malpractice fees are capped by Judiciary Law § 474-a:

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.

The Personal Injury Claim Process in New York

  1. Get medical attention and keep treating

    Gaps in treatment are the single most common reason claims fall apart.

  2. Report it

    To police for a crash, or to the property owner or your employer for a fall or work injury.

  3. Preserve evidence

    Photographs, the scene, your damaged property, witness names, and any incident report.

  4. File No-Fault (NF-2) within 30 days

    If a motor vehicle was involved.

  5. Be careful with adjusters

    You are not required to give the other side’s insurer a recorded statement.

  6. Investigation and demand

    Your attorney gathers records, establishes liability and presents a demand.

  7. Negotiation, or a lawsuit

    If the insurer will not pay fairly.

  8. Discovery, depositions and independent medical exams

    If litigation is filed.

  9. Settlement, mediation or trial

    Most cases settle.

How Long Does a Personal Injury Case Take?

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.

How Dial4Law Matches You With a NY Personal Injury Attorney

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Tell us what's happening

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

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We review and match

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

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The attorney contacts you

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.

Frequently Asked Questions

How long do I have to file a personal injury claim in New York?

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.

What is the serious injury threshold in New York?

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.

Did New York change its injury laws in 2026?

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.

Can I still recover if the accident was partly my fault?

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.

What does No-Fault insurance cover in New York?

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.

How much do personal injury lawyers charge in New York?

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.

Do I have to pay anything up front?

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.

What is my personal injury case worth?

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.

Do I need a lawyer for a minor accident?

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.

Should I talk to the insurance adjuster?

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.

What if I was hit by an MTA bus or a city vehicle?

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.

Can I sue if I was injured at work?

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.

How long does a personal injury case take in New York?

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.

What damages can my family recover in a wrongful death case?

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.

Does Dial4Law charge to match me with a personal injury attorney?

No. Dial4Law is a free attorney matching service for New York. We connect you with an independent attorney; any fees are set by and paid to that attorney, not to Dial4Law.

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