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New York

New York Car Accident Information

Browse source-backed guides about preserving records and understanding state-specific accident procedures. These pages do not determine fault, coverage, compensation or legal outcomes.

State accident proceduresCar Accident Without Insurance in New York: What Happens & What to DoUninsured in a NY crash? You get no PIP. Hit by an uninsured driver? Your mandatory UM coverage — or MVAIC, with its 90-day notice — steps in. Both paths explained.State accident proceduresShould I Accept the First Insurance Settlement Offer After a New York Car Accident?The first offer arrives before your treatment ends — and before anyone knows whether you clear New York's serious injury threshold. Here is what the number is really made of.State accident proceduresHow to Document a Car Accident in New York: Photos, Notes & Evidence ChecklistA 12-photo checklist plus the objective medical evidence New York's serious injury threshold demands. And why NY's one-party consent rule lets you record the other driver.State accident proceduresWhat Happens If You Don’t Report a Car Accident in New York? (Penalties Explained)Missing the 10-day MV-104 can suspend your NY licence. Missing the 30-day NF-2 can void your medical benefits. Leaving the scene escalates from a $250 infraction to a felony.State accident proceduresNew York Car Accident Statute of Limitations: How Long Do You Have to File? (2026)New York gives 3 years to sue (CPLR 214), 2 years for wrongful death — but only 90 days to file a Notice of Claim against a city, and 30 days for no-fault benefits.State accident proceduresHow New York Car Accident Settlements Are Calculated (And Why ‘Average’ Numbers Mislead You)There is no reliable average New York settlement. What decides value: the serious injury threshold, damages above the $50,000 PIP cap, pure comparative fault, and policy limits.State accident proceduresHit and Run in New York: What to Do If Someone Hits Your Parked Car or FleesSomeone hit your parked car and left? The 0–10 minute, 24-hour, 72-hour timeline, VTL 600 penalties, and how New York's mandatory UM coverage and MVAIC's 90-day notice apply.State accident proceduresDo I Have to Call the Police After a Minor Car Accident in New York?New York has no blanket duty to call police for a fender bender — but VTL 600 exchange rules, the 10-day MV-104, and the 30-day NF-2 all still apply. Here is what is required.State accident proceduresWhat to Do After a Car Accident in New York: A Step-by-Step Guide (2026)New York is a no-fault state with two deadlines almost nobody knows: the 30-day NF-2 no-fault application and the 10-day DMV MV-104 report. Here is the full sequence.State accident proceduresIs New York a No-Fault State? PIP, the Serious Injury Threshold, and When You Can SueNew York is no-fault for benefits and at-fault for lawsuits. PIP pays $50,000 regardless of blame — but you can only sue for pain and suffering if you clear Insurance Law 5102(d).

General information only. Verify current requirements with the cited government source or a qualified professional.