New York Car Accident Law
New York Car Accident Fault
New York has adopted the Pure Comparative Fault standard of negligence which means that if a person is partially at fault for causing his own injury, his damages will be reduced by his percentage of fault.
NEW YORK CAR INSURANCE REQUIREMENTS AND LIMITS
New York Bodily Injury Liability Minimum Coverage
Personal Injury (single passenger): $25,000 minimum coverage for an individual.
Personal Injury (multiple passengers): $50,000 minimum coverage for all persons in the car.
Property Damage: $10,000 of minimum coverage.
New York Small Claims Limit: For a car accident claim of $5,000 or less, file in Small Claims Court.
New York Personal Injury Statute of Limitations: The statute of limitations for personal injury claims in New York is 3 years from the date the injury occurred, or the time the injury was discovered if it could not have been immediately discovered.
New York Statutes Online: N.Y. Civil Practice Laws & Rules, Section 201 et seq. (Statute of Limitations for Personal Injury); NY Vehicle & Traffic Code, Section 312 (Insurance Requirements); Consolidated Laws of New York Annotated, Uniform Civil Court Act, Article 18, Sections 01-15 (Small Claims Limits).
NEW YORK CAR ACCIDENT REPORTS
New York Police Reports: You can request a car accident report filed by the police by completing form MV-198C. You can also Order and Access Motor Vehicle Accident Reports online.
DMV: If driver’s property damage equals or exceeds $1,001, all drivers involved in the accident are required to file a Report of Motor Vehicle Accident (form MV-104) within 10 days of the accident. If a person involved in the accident is injured or killed, the police must be notified, and all involved drivers and the police must file a report with the DMV.
Insurance Notification: You should promptly notify your auto insurance company of a car accident. However, your insurance company may have specific notification requirements, so you should check your insurance policy for these notice requirements.
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