Yes, New York insurance and serious injury laws can affect your ability to sue for damages in New York State. New York’s personal injury protection laws may affect your ability to sue for damages based on the circumstances surrounding your accident.

Since New York is a no-fault state, you’re entitled to compensation for lost wages and medical bills, as a baseline, no matter who is at fault. To claim damages that exceed lost wages and medical bills, you must sustain a serious injury under the New York state law.