New York serious injury threshold: what changed in 2026

Read the full article →

A short explainer on New York no-fault: the $50,000 basic benefit, the serious injury threshold for lawsuits, the 2026 change to the 90-of-180-days category and the 30-day notice rule.

This short video is a summary of our explainer New York No-Fault and the Serious Injury Threshold After the 2026 Changes, which covers the details, the steps to take, and how auto insurance typically handles it.

Transcript

Hurt in a New York crash? You can sue for pain and suffering only after a serious injury. No-fault pays medical bills and lost wages up to $50,000, no matter who caused the crash. Since May 2026, the 90-of-180-days category no longer counts as a serious injury in new lawsuits. Send written notice to the no-fault insurer within 30 days of the crash. State rules vary, so check yours. Compare free quotes at autoinsurancebundle.pro.

More videos

• Left-turn crash: is the turning driver always at fault? (33 sec)
• Pennsylvania limited tort vs full tort, explained (32 sec)
• Hit by a car while walking or biking? (36 sec)
• All videos
• All news and explainers

Important: This video is general information, not legal, tax, or insurance advice, and coverage rules vary by state, insurer, and policy. AutoInsuranceBundle.pro is a free, independent insurance comparison and referral service. We are not an insurance company, we do not issue policies, and we do not provide insurance advice. Calls to the number on this site are routed to licensed insurance agents or agencies in our partner network, who may receive compensation. Calling is completely voluntary and there is no obligation to buy. Rates, discounts, and availability vary by carrier, state, and individual eligibility; not all carriers, products, or discounts are available in all states. Calls may be recorded for quality and compliance purposes.