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 — (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 — and 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').