Accidents & insurance: guides, questions and what to do now

What to do now

Steps in order, for when it happened today.

• What to do nowYour insurance claim was denied in New York: what to do nowA denial isn't always the final word. Read the denial letter for the specific reason and policy section, and note every deadline in it. Get a full…

How to do it

Step-by-step processes: forms, deadlines, fees and where to go.

• How toAfter a car accident in New York: how to claim no-fault insurance benefitsIf you're injured in a car accident in New York, your first claim is usually to no-fault insurance (also called personal injury protection, or PIP),…

Questions people ask

A short, straight answer to one question, with the source.

• QuestionHow long do you have to sue for an injury in New York?In New York, most lawsuits for personal injury or property damage — car crashes, slip-and-falls, dog bites — must be started within 3 years (CPLR §…

The official sources on this topic

Every page here rests on statutes, regulations and government sites. These are the ones that come up most on this topic:

• N.Y. Civil Practice Law and Rules(opens in a new tab)
• N.Y. Insurance Law(opens in a new tab)
• Auto Insurance Resource Center — NYS Department of Financial Services(opens in a new tab)
• No-Fault Claims and Arbitration — NYS Department of Financial Services(opens in a new tab)
• N.Y. Estates, Powers and Trusts Law(opens in a new tab)
• N.Y. General Municipal Law(opens in a new tab)

Next step

The guides explain the rules. When you need an answer about your own situation, describe what happened and get a free first answer; the full check confirms every legal point against its source.

Ask about your situation — freeYour rights: Accidents & insuranceGuided path