Why the Threshold Exists
New York's no-fault system trades quick medical coverage for limits on lawsuits. To sue for pain and suffering, your injury must clear the §5102(d) 'serious injury' bar.
The Categories
They include death, dismemberment, significant disfigurement, fracture, loss of a fetus, permanent loss or limitation of a body organ or member, significant limitation of a body function or system, and the 90/180-day category.
Proving It
Objective medical evidence is key — imaging, range-of-motion testing, and consistent treatment. Insurers fight hard on the threshold, so documentation matters.
Injured in New York? Injury Claim Team connects you with an experienced New York personal injury attorney at no cost. Call 973-566-5599 or request your free case review — a specialist will reach out within the hour.