The multiplier method with New York's actual rules applied: pure comparative negligence, a 3-year filing window. Every statute cited and linked, every line of arithmetic shown.
Based on the multiplier method used by insurers and attorneys. This is an educational estimate, not legal advice. Every claim is different.
Your fault never bars recovery. The award is simply reduced by your percentage. (CPLR 1411)
3 years for personal injury (CPLR 214(5)). The clock is jurisdictional. One day late and no court will hear the case.
No-fault state: your own carrier's $50,000 basic PIP pays medical and lost earnings first, and you cannot sue for pain and suffering unless you cross the 'serious injury' threshold: death, fracture, significant disfigurement, permanent loss or limitation, or 90-of-180-days disability among the categories. (Ins. Law §5102, §5104)
Minimum liability coverage: 25/50 bodily injury ($50/100 for death) and $10,000 property damage. (Veh. & Traf. Law §311(4)) Policy limits are the practical ceiling on most settlements, which is why identifying every available policy (including your own underinsured-motorist coverage) matters.
In New York the first fight isn't your fault percentage. It's whether your injury fits a §5102(d) category at all. A fracture qualifies automatically. Soft-tissue claims live or die on 'significant limitation' proof. Threshold litigation is why documented, measured limitations matter more here than in any at-fault state.
The same multiplier method used everywhere, so (medical bills + lost wages) × a 1.5–5× severity multiplier + property damage. Then New York's fault rule is applied: Your fault never bars recovery. The award is simply reduced by your percentage. The calculator on this page runs exactly that math and prints every line.
3 years for personal injury (CPLR 214(5)). Miss the deadline and the claim is barred permanently, no matter how strong it is. Claims against government entities often have much shorter notice requirements.
No-fault state: your own carrier's $50,000 basic PIP pays medical and lost earnings first, and you cannot sue for pain and suffering unless you cross the 'serious injury' threshold: death, fracture, significant disfigurement, permanent loss or limitation, or 90-of-180-days disability among the categories.
Compensatory damages: No statutory caps. New York controls awards through appellate review instead (whether the award 'deviates materially from reasonable compensation').