I. Introduction

In an effort to combat rising automobile insurance rates, in 1974 the New York Legislature passed sweeping changes to the Insurance Law designed to provide a basic level of economic coverage for New York drivers hurt in motor vehicle accidents while at the same time significantly curtailing the number of motor vehicle cases litigated in the State courts.

Known as the No-Fault law, the statutes create a dual system for compensating persons involved in motor vehicle accidents. Regardless of fault, every automobile insurance policy in New York provides for the payment of first-party benefits of up to $50,000 for “basic economic loss” for covered persons injured in car accidents, but bars the filing of lawsuits against the at-fault party to recover non-economic loss (i.e. pain and suffering) except for those who have suffered “serious injury” as defined by the statute. More…

Back in September of 2008, we posted an article about Kash v. Jewish Home & Infirmary of Rochester, a case scheduled to be heard by the Appellate Division, Fourth Department in its upcoming term. The appeal was argued in December and was recently decided by a 3-2 majority of the justices in favor of victims of neglect or abuse in nursing homes. The Appellate Division held that a nursing home resident injured due to the negligence of the staff could bring a medical malpractice claim against the nursing home together with a claim under New York Public Health Law §2801-d. See Kash v. Jewish Home & Infirmary of Rochester, N.Y., Inc., 2009 NY Slip Op 1041, 2009 N.Y. App. Div. LEXIS 1065 (4th Dept. 2009). (For more infromation about §2801-d, read the September 19, 2008 posting). More…

Section 3420 of the New York Insurance Law, which sets forth requirements for liability insurance policies issued in New York State, was amended recently in two important ways that will help injury victims. Liability insurance policies, including automobile and homeowner’s insurance policies, typically require that the negligent party inform his or her insurance company of any possible claims within a particular period of time. These notice provisions are designed to ensure that the company has an opportunity to investigate claims right away, while witnesses can still be located and evidence has not been lost or destroyed. More…

When you are injured due to someone’s negligence in an auto accident, truck accident, fall on defective stairs, or by a medical mistake or by toxic contamination released from a nearby manufacturing plant or by a defective drug or product, your remedy to recover damages is to make a claim within the civil justice system.

Introduction and background

The rules followed in this system are based upon a combination of statutory law (laws passed by the legislature) and what is referred to as common law, the law we inherited from the judicial precedents of English law, which have evolved through the judicial decisions of judges in the State of New York over the past few hundred years.
More…