No-fault covers up to $50,000. Some injuries let you pursue more. Here's how New York's serious injury threshold works.
No-fault insurance covers your medical bills and lost wages up to $50,000, regardless of who caused the accident — that's the baseline for almost every claim. A lawsuit against the at-fault driver is a separate path, and New York only allows it when your injuries meet a legal standard called the "serious injury threshold."
Meeting that threshold doesn't replace your no-fault claim — it's an additional option on top of it, for injuries serious enough to qualify.
Whether an injury meets the legal threshold depends on medical documentation and the specific facts of your case — not just how serious it feels. If you think your injuries might qualify, it's worth having someone review your situation directly rather than guessing.
Can I go after the other driver for more than what no-fault covers?
Yes — if your injuries meet New York's serious injury threshold. Qualifying injuries include fractures, significant permanent limitations, and being substantially disabled for 90 out of 180 days post-accident.
Does pursuing a lawsuit affect my no-fault benefits?
No. Your no-fault claim covers your medical bills and lost wages regardless of a lawsuit. A lawsuit is an additional path, not a replacement.
Do I need a lawyer to know if I qualify?
Not to ask the question — but confirming whether your specific injury meets the threshold usually requires someone to review your medical records and case details directly.
Tell us about your situation and someone from our network will reach out within 24 hours — free, no obligation.
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