A New York motorcycle accident claim is a personal injury action against an at-fault driver — and unlike car accidents, it is not gated by the No-Fault serious-injury threshold. Under Insurance Law §5103(a)(1), motorcyclists are expressly excluded from No-Fault PIP coverage. That exclusion has a counter-intuitive upside: because No-Fault does not apply, the “serious injury” threshold under §5102(d) does not apply either. A motorcyclist may sue for all damages — pain and suffering, future medical, lost earning capacity — even for soft-tissue injuries that would be barred in a car-accident case.
The general statute of limitations is 3 years (CPLR §214); Notice of Claim against any municipal entity is 90 days (GML §50-e). New York’s helmet law (VTL §381) requires helmet use; failure to wear one does not bar recovery but may reduce damages for specific head injuries. The defense will push anti-motorcycle bias — speeding, lane-splitting, “should have known the risk.” We counter that early, with traffic-cam footage, witness statements, helmet preservation, and accident reconstruction. Everclad Law Group represents motorcycle accident clients across Nassau County, Long Island, and NYC on contingency, with no upfront cost.