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New York: rules and deadlines at a glance
Every 11 topic we track for New York on one page. Open a topic for the details, the law it comes from and how New York compares.
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Car insurance by state · Claim deadlines · Small claims limits · Total loss rules · Dog bite rules · Shared fault rules · Accident reporting rules · Phone-while-driving laws · Motorcycle helmet laws · Uninsured drivers
General information only, not legal, insurance or financial advice. Not affiliated with any government agency. Exceptions can apply; open a topic for the details.
| Personal injury | 3 years |
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| Property damage | 3 years |
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| Minimum liability | $25,000 / $50,000 / $10,000 |
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| Fault system | No-fault (PIP pays first; lawsuits limited) |
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| Shared-fault rule | Pure comparative: recovery reduced by your share of fault |
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| Acknowledge | 15 business days |
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| Accept or deny | 15 business days after proof of loss and requested items (30 if arson is suspected) |
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| Pay | 5 business days after an agreed settlement |
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| Dollar limit | $3,000 to $10,000 depending on the court ($10,000 in NYC) |
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| Filing fee | $10 to $20 |
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| Lawyers | Allowed |
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| Total loss rule | 75% of actual cash value |
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| Rule | Mixed |
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| Details | Mixed: strict liability for medical costs from dangerous dogs; otherwise one-bite rule |
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| Rule | Pure comparative negligence |
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| When you are barred | Up to 99% at fault: damages reduced by your share |
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| Report required if | Death, injury, or over $1,000 damage |
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| Deadline | 10 days (MV-104 to DMV) |
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| Handheld ban | Yes, all drivers (primary) |
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| Texting ban | Yes, primary |
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| Law type | Universal |
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| Who must wear one | All riders (universal law) |
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| Drivers uninsured | 8.6% |
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| UM/UIM coverage | Uninsured and underinsured motorist required |
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