New York Car Accident Settlement Calculator
Estimate what a car accident or personal injury claim might be worth in New York — instantly, with no email or phone number required. This tool applies New York's pure comparative negligence rule, the factor that most "calculators" leave out, and shows you exactly how it reaches the number.
New York claims at a glance
| Negligence rule | Pure comparative negligence |
|---|---|
| If you share fault | No threshold — you recover your share at any fault level |
| No-fault insurance state? | Yes |
| Statute of limitations (approx.) | ~3 years |
| Legal data last reviewed | 2026-06 |
📌 No-fault state; a 'serious injury' threshold must be met to claim non-economic damages.
Estimate your New York settlement
A few quick questions, in the order things actually happen. Everything stays in your browser, and you’ll get your estimate the moment you hit the button — no email, no waiting.
How fault affects your settlement in New York
This state uses pure comparative negligence. Your recovery is reduced by your fault percentage, but you can recover something even if you were mostly at fault (e.g. at 90% fault you still recover 10%).
Say your total damages come to $84,000 and you were 30% at fault. Under New York's pure comparative negligence rule, your award is reduced by your share — so you could recover about $58,800. Even at 90% fault you would still recover 10%; New York never eliminates your claim purely because of your fault percentage.
New York settlement FAQ
What negligence rule does New York use for car accident claims?
New York follows pure comparative negligence. This state uses pure comparative negligence. Your recovery is reduced by your fault percentage, but you can recover something even if you were mostly at fault (e.g. at 90% fault you still recover 10%).
How long do I have to file a personal injury claim in New York?
New York's statute of limitations for personal injury is generally about 3 years from the date of the accident. Deadlines vary by claim type and have exceptions, and missing one can permanently bar your claim — confirm the exact deadline with a New York attorney.
Is New York a no-fault insurance state?
Yes. New York has a no-fault (PIP) system, meaning your own insurance typically pays certain medical costs and lost wages first, regardless of who caused the crash. Stepping outside the no-fault system to pursue the at-fault driver often requires meeting a specific injury threshold.
Is there anything unusual about New York's rules?
No-fault state; a 'serious injury' threshold must be met to claim non-economic damages.
Sources
Last reviewed 2026-06. We cite our sources so you can verify — laws change, and corrections are welcome via Contact.
- N.Y. C.P.L.R. § 214 — Actions to be commenced within three years (incl. personal injury, subd. 5) (NY State Senate Open Legislation)
- N.Y. C.P.L.R. § 1411 — Damages recoverable when contributory negligence or assumption of risk is established (pure comparative negligence) (NY State Senate Open Legislation)
Important disclaimer
This New York estimate is for general information only and is not legal advice. Real settlements depend on disputed liability, insurance policy limits, evidence, damage caps, and negotiation. Statute-of-limitations figures are approximate — verify locally. Consult a licensed New York attorney about your specific claim. See our full Disclaimer.