06/03/2026
If you were hurt in a car accident in New York, there's something important you need to know — and insurance companies are hoping you don't.
New York is a no-fault state. That means to sue the at-fault driver for pain and suffering, you first have to prove your injury meets what the law calls the "serious injury" threshold.
Insurance adjusters are trained to argue your injuries don't qualify.
But here's the truth:
✅ Soft tissue injuries CAN qualify — if properly documented
✅ Bulging and herniated discs CAN meet the threshold
✅ Even if you're not permanently disabled, the 90/180-day rule may apply to you
✅ An IME report saying your injury "isn't serious" is NOT the final word
We just published a full breakdown of New York Insurance Law §5102(d) — written for real people, not lawyers.
🔗 Read it here: https://levilawny.com/blog
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