A New York pedestrian accident claim is a personal injury action against the driver who struck you while you were walking — and unlike many states, you are covered by the at-fault vehicle’s No-Fault PIP even if you have no car of your own. Under Insurance Law §5103(a), the at-fault driver’s policy pays up to $50,000 in PIP for medical bills and 80% of lost wages, regardless of fault.
To sue the driver for pain and suffering, the injury must meet New York’s serious injury threshold under Insurance Law §5102(d). Drivers owe pedestrians a duty of due care under VTL §1146, and must yield in crosswalks under VTL §1151. NYC adds Vision Zero protections under Administrative Code §19-190, which criminalizes failure to yield when serious injury results. The general statute of limitations is 3 years (CPLR §214); Notice of Claim against any municipal entity is 90 days (GML §50-e). For hit-and-run drivers, the MVAIC state fund provides recovery. Everclad Law Group represents pedestrian accident clients across Nassau County, Long Island, and NYC on contingency, with no upfront cost.