NY

New York Insurance Regulations

Consumer rights and insurance laws in New York

Overview

New York Department of Financial Services oversees the second-largest insurance market in the US. As a no-fault PIP state, New York requires injuries to meet the 'serious injury' threshold before tort claims are permitted, with strong consumer protections under Regulation 64.

Key Insurance Regulations in New York

Pure comparative fault for tort claims
3-year statute of limitations for personal injury and property damage
No-fault PIP state — serious injury threshold to sue
Mandatory auto insurance: 25/50/10 minimum liability with PIP
Regulation 64 — Prompt Pay Law requires timely claim processing

Filing an Insurance Complaint in New York

If you believe your insurance company has acted unfairly or violated New York insurance laws, you can file a complaint with the New York Department of Financial Services. The department investigates consumer complaints and can take enforcement action against insurers that violate state regulations.

Before filing a complaint, make sure you have documented all communication with your insurance company, including claim numbers, dates, and the names of representatives you've spoken with. The New York Department of Financial Services typically responds to complaints within 30 days.

New York Department of Financial Services

Insurance Commissioner: Adrienne A. Harris

Phone: (800) 342-3736

Website: https://www.dfs.ny.gov

File a Complaint: Consumer Complaint Portal

Diminished value claims in New York

In some cases, and New York courts have limited it. Diminished value is claimed as property damage against the at-fault driver, outside the no-fault system, but appellate decisions generally measure vehicle damage as the lesser of the repair cost or the drop in market value, and have declined lost resale value on top of a full repair. You generally have three years to sue (CPLR 214(4)), and claims under your own policy generally do not pay diminished value. This is general information, not legal advice.

Read the New York diminished value guide

Insurance Claim Guides for New York

Browse our detailed insurance claim guides tailored specifically to New York laws and regulations.

Auto Insurance Claims in New York Home Insurance Claims in New York Health Insurance Appeals in New York Insurance Denial Letter Templates in New York Demand Letter Guide in New York Insurance Settlement Calculator Guide in New York Diminished Value Claims in New York Total Loss Dispute Guide in New York Bad Faith Insurance Claims in New York Underinsured Motorist Claims in New York Uninsured Motorist Claims in New York Rental Car Insurance Coverage in New York GAP Insurance Claims in New York Insurance Subrogation Explained in New York PIP (Personal Injury Protection) Guide in New York Bodily Injury Claims in New York Property Damage Claims in New York Liability Claim Process in New York Comprehensive Insurance Claims in New York Collision Insurance Claims in New York Flood Insurance Claims in New York Fire Insurance Claims in New York Theft Insurance Claims in New York Vandalism Insurance Claims in New York Auto Glass Insurance Claims in New York Hail Damage Insurance Claims in New York Wind Damage Insurance Claims in New York Water Damage Insurance Claims in New York Mold Insurance Claims in New York Roof Damage Insurance Claims in New York Foundation Damage Claims in New York Sinkhole Insurance Claims in New York Earthquake Insurance Guide in New York Hurricane Insurance Claims in New York Tornado Damage Insurance Claims in New York Lightning Damage Insurance Claims in New York Tree Damage Insurance Claims in New York Fence Damage Insurance Claims in New York Appliance Breakdown Claims in New York Identity Theft Insurance Claims in New York Cyber Insurance Claims in New York Pet Insurance Claims in New York Travel Insurance Claims in New York Life Insurance Disputes in New York Disability Insurance Claims in New York Workers' Compensation Claims in New York Long-Term Care Insurance Claims in New York Dental Insurance Appeals in New York Vision Insurance Claims in New York Prescription Drug Appeals in New York Accident Scene Documentation in New York Insurance Adjuster Tactics in New York Diminished Value Calculator Guide in New York Total Loss Vehicle Valuation in New York CCC Valuation Report Explained in New York Pain and Suffering Calculation in New York Medical Bills in Auto Claims in New York Lost Wages Insurance Claims in New York Filing a Bad Faith Insurance Lawsuit in New York When to Hire a Car Accident Lawyer in New York Insurance Claim Timeline Guide in New York Independent Vehicle Appraisal Guide in New York Appraisal Clause in Auto Insurance in New York Diminished Value by State in New York Total Loss Threshold by State in New York Rental Car After an Accident in New York Your Rights During Car Repairs in New York OEM Parts in Insurance Claims in New York Insurance Negotiation Tactics in New York Demand Package for Auto Claims in New York Common Insurance Claim Denial Reasons in New York Statute of Limitations for Auto Claims in New York Filing Claims in No-Fault States in New York At-Fault Accident Claims in New York Comparative Negligence in Claims in New York Uninsured Motorist Property Damage in New York Hit and Run Insurance Claims in New York Parking Lot Accident Claims in New York Rideshare Accident Insurance Claims in New York Commercial Vehicle Accident Claims in New York Deer Collision Insurance Claims in New York Flood Car Damage Claims in New York Catalytic Converter Theft Claims in New York Car Break-In Insurance Claims in New York Tire Blowout Accident Claims in New York Pothole Damage Insurance Claims in New York Hail Damage Car Claims in New York How to Review Your Auto Insurance Policy in New York Auto Insurance Coverage Gaps in New York Multi-Vehicle Accident Claims in New York Disputing Fault Determination in New York Filing an Insurance Commissioner Complaint in New York Negotiating Diminished Value Claims in New York Fighting a Total Loss Declaration in New York Bodily Injury Settlement Guide in New York Insurance Fraud Prevention Guide in New York Substandard Auto Repair Claims in New York Total Loss Buy-Back Process in New York Insurance Claims After a DUI in New York Commercial Auto Insurance Claims in New York Storage Unit Insurance Claims in New York

Need Help with an Insurance Claim in New York?

InsurifyAI provides claim assistance tailored to New York insurance laws. Get demand letters, settlement estimates, and step-by-step guidance.

Get Started Free