Did New York eliminate the 90/180 rule?

Part EE of the enacted FY27 budget amends Insurance Law Section 5102(d) to delete the 90/180 category. A non-permanent injury preventing substantially all usual activities for 90 of the first 180 days no longer clears the threshold on its own. Eight categories remain. Firms should confirm current effective dates and statutory text with their own counsel, since reporting on timing has been inconsistent and courts have not yet interpreted the amended language.

Does the new fault rule mean a claimant over 50 percent at fault recovers nothing?

Not exactly, and the distinction matters. Part EE adds CPLR Section 1411(b), which bars recovery where the claimant's culpable conduct is greater than the defendant's, or greater than the defendants' combined fault. The wording is 'greater than,' not '50% or more.' A claimant at 49% still recovers. At 51% they may be barred. In multi-defendant crashes the comparison can run against combined fault, so identifying every responsible party affects whether the claimant clears the bar.

Are your New York MVA leads exclusive?

One firm. Not one to three. We put exclusivity in the contract rather than in a headline, because at least one competitor uses the word 'exclusive' while disclosing that its leads go to one to three suppliers.

What do New York MVA leads cost?

Our New York rate card is published on our pricing page, flat per-lead, by threshold category and by market. For market context, published analysis puts shared personal injury leads around $50 to $150 and exclusive leads at $250 to $600 or more, with New York pushing the top of that range and the most competitive markets running $300 to $1,500 per exclusive auto accident lead.

Do you sell New York leads that no longer meet the threshold?

No. Soft-tissue claims with no imaging correlation and no permanency support, whose only route to the threshold was the deleted 90/180 category, are discarded rather than resold. We paid to generate them. Reselling them would be the profitable choice and a short one.

What happens if a New York MVA lead is wrong?

It is credited. Duplicate, already represented, outside the statute of limitations, misrepresented injury, or wrong territory - flag it and it is credited. Threshold grading is a documented classification recorded at intake, not a guarantee about how a court will ultimately rule on summary judgment.

Which New York markets do you cover?

All five boroughs - Brooklyn, Queens, Manhattan, the Bronx, and Staten Island - plus Long Island (Nassau and Suffolk) and Westchester, with upstate coverage in Buffalo, Rochester, Yonkers, Syracuse, Albany, New Rochelle, Mount Vernon, Schenectady, and Utica. Exclusivity is available by county, or by borough within New York City.

MVA Leads New York for Law Firms — Since 2009

New York MVA Leads, Screened Against the Serious Injury Threshold

New York changed which car accident claimants can sue. Most lead vendors haven't changed a thing. The 2026 reform deleted the 90/180 pathway from Insurance Law §5102(d) and added a fault bar that can end a case before damages are ever reached — and a non-qualifying claimant still arrives in your inbox looking exactly like a signable one. We rebuilt our New York intake around the eight categories that survived.

Get Your New York MVA Leads Quote Call (800) 889-1679

8Threshold Categories Left

1 FirmTrue Exclusivity

Since '09NY Plaintiff Acquisition

What Changed in 2026

Albany Just Repriced
Your Intake

For decades a New York MVA lead was worth roughly what any MVA lead was worth. Claimant hurt, claimant not at fault, claimant unrepresented, claimant inside the statute — sign it and work it up.

That checklist is now incomplete, and every vendor still selling against it is selling you files you will drop.

In May 2026, New York enacted auto insurance reforms as part of the FY27 budget, aimed at premiums that average slightly more than $4,000 a year — nearly $1,500 above the national average. The affordability framing got the headlines. The Part EE mechanics are what changed your business.

Three of them matter to anyone buying New York car accident leads.

A soft-tissue claimant with a disputed left turn and eleven weeks off work still fills out the same form. Still answers the phone. Nothing about the lead looks different. Everything about the file does.

New York State Capitol in Albany, where the FY27 enacted budget's auto insurance reform provisions were signed into law

Part EE · §5102(d)

The 90/180 Pathway Is Closed

Part EE deletes the 90/180 category from Insurance Law §5102(d). A claimant can no longer clear the serious injury threshold by showing a non-permanent injury that kept them from substantially all usual activities for 90 of the first 180 days. That route carried a large share of ordinary soft-tissue and post-surgical claims into tort exposure.

Before 9 threshold categories

Now 8 categories remain

Part EE · CPLR §1411(b)

Fault Percentage Can End a Case

Part EE adds CPLR §1411(b): in Article 51 actions, recovery is barred where the claimant's culpable conduct is greater than the defendant's, or greater than the defendants' combined fault. Read the wording carefully, because adjusters are already misreading it. It is not "50% or more."

Claimant at 49% Still recovers

Claimant at 51% May be barred

Part EE · §5104(a)

And Fault Is Decided First

Part EE amends §5104(a) so the trier of fact reaches fault before it reaches serious injury. Liability is no longer the thing you sort out during discovery. It is the gate. Carrier-side guidance now tells adjusters to build liability investigation to the front of the file, preserving scene evidence, telemetry, and witness identity early.

Old Order Injury, then fault

New Order Fault decides first

The Product

Every New York Lead Ships
With a Threshold Grade

We are precise about this because precision is the product. Some categories close cleanly at intake — a causally related fracture generally satisfies the threshold. Others are contested by design: permanent consequential limitation and significant limitation of use turn on quantified range-of-motion testing compared to norms, and on whether a treating specialist will put permanency in writing. So we grade, and we tell you which is which.

A Category

Documented Enumerated Injury

Fracture, significant disfigurement, dismemberment, loss of a fetus, or death — with medical records identified at intake. Documentary, checkable, not seriously arguable. A causally related fracture confirmed on imaging generally satisfies the threshold on its own.

What We Verify Imaging & records located

B Category

Limitation Claim With Objective Support

A permanent consequential limitation or significant limitation of use claim backed by imaging findings, ongoing specialist treatment, no material treatment gap, and range-of-motion testing performed. The defense will still move for summary judgment. This claimant has something to answer it with.

What We Verify ROM testing, no gap in care

C Category

Limitation Claim, Support Incomplete

Real injury, thin documentation. Treating, but no permanency narrative yet. Priced lower, and sold as exactly what it is. Some firms want this inventory and work it up themselves. Some firms should not touch it. We will tell you which one you are on the call.

What We Verify Disclosed as incomplete

NOT
SOLD

Post-Reform Non-Qualifying

Soft tissue, no imaging correlation, no permanency narrative — a claimant whose only viable route to the threshold was the deleted 90/180 category. This line costs us money and earns your renewal. We generate these leads, we pay for the traffic, and we discard them. Every other vendor on your shortlist is still shipping this inventory to New York firms at full price, screened against a five-point checklist written before the statute changed.

What Happens Discarded, never resold

One exception worth its own budget line: motorcycle leads.

The serious injury threshold does not apply to motorcycle accident victims, because they are not eligible for no-fault benefits. Motorcycle claimants were never inside the Article 51 threshold, and the 2026 reform does not touch them. If your firm takes motorcycle cases, that New York inventory is unchanged and — right now, amid the panic — underpriced. Ask us about it separately.

What We Changed, and When

We Rewrote the Intake Script
in June 2026

We have sold New York plaintiff acquisition since 2009. The old script asked whether the claimant was injured. The new one asks what the imaging shows, whether a specialist has used the word permanent, and how many days of restriction the treating physician actually recorded — not how many days the claimant remembers.

The Industry Script

Pre-Reform

−Were you injured in the accident?

−Was the accident your fault?

−Have you hired an attorney yet?

−When did the accident happen?

−Did you see a doctor?

−How long were you out of work?

Six questions. Screens for a claimant who could clear the threshold through the 90/180 pathway. That pathway no longer exists.

Our New York Script

Post-Reform

+What does the imaging show? MRI, X-ray, CT — and is there a fracture on it?

+Has a specialist used the word permanent in writing, and will they?

+Was range of motion measured, and against what norm?

+Is there a gap in treatment? Defense counsel will find it if we don't.

+What does the police report narrative say? Citations issued? Admissions at scene?

+Who else was involved? Under §1411(b) the comparison can run against combined fault.

+Is an EDR download still possible? Is scene evidence preserved?

+SUM coverage status. Roughly 10.8% of New York drivers are uninsured.

+Municipal defendant? MTA bus, sanitation, city vehicle — flagged separately.

We did not invent this. Carrier-side guidance warned its own clients that plaintiff counsel would respond to the reform by front-loading objective proof — imaging correlation, ROM testing, specialist permanency narratives. Good. Then the documentation should start at intake, before you have paid for the lead.

What It Costs

Nobody in This Industry
Publishes a Price

Read the pages. Prices "vary greatly across the country." Prices "range depending on the state." One competitor tells you outright that asking what a lead costs "is probably not the one you should be asking" — on the same page where it discloses that its "exclusive" leads go to one to three suppliers.

Exclusive to three firms is a word being used to mean its opposite.

Our New York rate card is on the pricing page: flat per-lead, by threshold category and by market. Exclusive means one firm — yours — and we put that in the contract rather than in a headline. Here is the arithmetic we will run with you before you sign anything.

$450 Illustrative Cost Per Lead

25% Signing Rate

~$1,800 Cost Per Signed Case

$50–$150

Shared PI Leads

The industry floor. Sold to several firms at once, forcing what one vendor candidly calls an unfair race to reach the claimant first. If your model is buy-cheap-and-sift, this inventory exists and it will do what it does.

$250–$600+

Exclusive PI Leads

Published market analysis puts exclusive personal injury leads in this band, with major metros like New York pushing toward the high end because competition is fierce and potential settlements are larger.

$300–$1,500

Peak NY Metro Exclusive

In the most competitive markets, a single exclusive auto accident lead can run this high. Post-reform, the variable that moved is not the price. It is the signing rate. Threshold-qualified inventory is how you move it back.

Industry commentary puts exclusive-lead conversion at 20–30% and healthy firm marketing spend at 6–13% of revenue. Against a New York MVA case, the math above is either obviously fine or obviously not, depending on your average fee — which is exactly why we would rather show you the equation than a testimonial. Figures shown are illustrative market benchmarks, not a quote. Your actual rate depends on county, threshold category, and monthly volume.

See the New York Rate Card

Where the Volume Is

New York City Is Most of It.
Brooklyn Is Most of That.

In 2024 the city recorded just over 91,000 collisions, more than 40,000 of them involving injuries. Brooklyn and Queens alone account for the majority. We weight our New York car accident lead generation accordingly — and we cap geographic exclusivity because in Brooklyn we would rather have one firm at volume than four firms racing each other to a phone.

Two operational notes that upstate buyers care about and downstate vendors forget.

1 Lead age is substantive, not cosmetic. The no-fault application must be filed within 30 days of the accident. We timestamp the accident date, not just the form-fill date.

2 Municipal defendants have a 90-day clock. Any claim against a municipality requires a Notice of Claim within 90 days. We flag MTA bus, sanitation, and city-vehicle crashes at intake rather than letting you find out in week eleven.

3 SUM status is captured up front. Roughly 10.8% of New York drivers are uninsured. A qualifying threshold injury against an uninsured driver with no SUM coverage is not a case. It is a conversation.

Markets We Deliver

New York City Brooklyn Queens Manhattan The Bronx Staten Island Nassau County Suffolk County Westchester Buffalo Yonkers Rochester Syracuse Albany New Rochelle Mount Vernon Schenectady Utica

2024 Borough Data

NYC Crash Volume by Borough

Total collisions, with injury-involving crashes highlighted. Injury crashes are the addressable pool before any threshold screening is applied.

Brooklyn 22,781 crashes · 9,990 injury

Queens 17,808 crashes · 7,632 injury

Manhattan 11,902 crashes · 4,875 injury

The Bronx 10,028 crashes · 4,416 injury

Staten Island 2,695 crashes · 983 injury

Citywide 2024: just over 91,000 collisions, more than 40,000 involving injuries, and 252 traffic fatalities. Bars are scaled to total collisions, indexed to Brooklyn.

Map of New York City's five boroughs and greater New York State coverage area for MVA lead generation

Coverage area: all five NYC boroughs, Long Island, Westchester, and upstate metros through Buffalo and Utica.

Insurance Law §5102(d)

The Eight Categories,
and What We Can Actually Verify

We can tell you what the claimant reports, what imaging exists, whether they are still treating, and whether there is a gap. We cannot tell you how a Second Department judge will rule on summary judgment — and any vendor who implies otherwise is selling you a story.

Threshold Category	What It Requires	Verifiable at Intake?
Fracture	A causally related fracture, documented through imaging studies. Generally satisfies the threshold on its own.	Yes — imaging is documentary. Graded Category A.
Death	A personal injury resulting in death. Opens wrongful death exposure alongside the underlying claim.	Yes. Records identified at intake.
Dismemberment	Loss of a limb or body part as a result of the collision.	Yes. Not seriously arguable.
Significant Disfigurement	Scarring or disfigurement a reasonable person would view as altering appearance.	Yes, though "significant" is litigated at the margin.
Loss of a Fetus	Loss of a fetus caused by the collision.	Yes. Documentary.
Permanent Loss of Use	Permanent loss of use of a body organ, member, function, or system. Courts have read "permanent loss" strictly — total, not partial.	Partially. We verify specialist involvement and imaging; permanency is a medical-legal opinion.
Permanent Consequential Limitation	Permanent consequential limitation of use of a body organ or member, supported by quantified range-of-motion testing against norms.	Partially. ROM testing and treatment continuity verified. Graded Category B or C.
Significant Limitation of Use	Significant limitation of use of a body function or system. The most heavily litigated category, and the one the defense targets on summary judgment.	Partially. Imaging correlation and gap analysis verified. Graded B or C.
90/180 — Deleted	Formerly: a non-permanent injury preventing substantially all usual and customary daily activities for 90 of the 180 days after the accident. Removed by Part EE.	No longer a pathway. Leads relying on it alone are not sold.

Threshold grading is a documented classification recorded at intake. It is not legal advice, and it is not a guarantee about how any court will rule. Firms should confirm the current statutory text and effective dates with their own counsel — reporting on the 2026 reform's timing has been inconsistent, and courts have not yet interpreted the amended language.

Read Their Pages

Not One Competitor Has
Written a Sentence About §5102(d)

Every major vendor ranking for New York car accident leads runs a national template with a state name dropped in. They compete on the same two words — "exclusive" and "real-time" — and screen against checklists written before the statute changed. Here is what they actually publish.

Vendor Angle	What They Publish	Where It Breaks in New York
Exclusivity + Tenure	Twenty years in market. Contrasts itself against multi-share models that force an unfair race to reach the lead first.	No state law anywhere on the page. Will not quote a price — costs "vary greatly across the country."
The Five-Point Filter	Within the statute of limitations, not at fault, physically injured, unrepresented, inside your territory.	Obsolete as written. "Physically injured" no longer means signable. "Not at fault" is now a percentage question under §1411(b).
Disqualifier Lists	Screens out claimants already represented, outside the statute, or not involved in a motor vehicle accident.	Correct as far as it goes, and it stops well short of the threshold. Pricing "ranges depending on the state."
15-Point Verification	Claims to verify injury severity, fault determination, and insurance coverage validation.	Generic "fault determination" is not a comparative-fault percentage. Post-reform, the percentage is the case.
ROI Deflection	Tells buyers that asking what a lead costs "is probably not the one you should be asking."	Same page discloses leads are exclusive to one to three suppliers. That is not exclusivity.
Signed Retainers	Live-transfers each lead to intake; motor vehicle accidents make up the large majority of volume.	The strongest model on this list. Still a national program. Nothing in it is built for the eight remaining categories.

Get Today's New York Pricing

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Get Your New York MVA Leads
Quote Today

Tell us your counties, the threshold categories you want, and your monthly volume. We will tell you honestly what Brooklyn Category A volume looks like — which is less than you would like.

No long-term contract. Month to month. We reconcile monthly on signing rate by category and cost per signed case. If threshold-qualified inventory does not outperform what you are buying now, the comparison will show it and you should leave.

✓ Graded Against the Eight Remaining §5102(d) Categories

✓ Fault Percentage Screened Under CPLR §1411(b)

✓ Exclusive to One Firm — Never One to Three

✓ Non-Qualifying Leads Discarded, Not Resold

✓ Accident Date Timestamped for the 30-Day No-Fault Clock

✓ TCPA, HIPAA & ABA Compliant — Since 2009

10:11

Recent Leads

Recent Leads Appointments Notifications

Real-Time Leads

Delivered the moment intake clears verification.

Threshold Graded

Category A, B, or C — disclosed before you buy.

Borough Exclusivity

By county statewide, by borough within NYC.

Full Intake Record

Not a name and a number. The whole screen.

Experience Matters

EST. 2009 ★★★★★

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Questions Attorneys Ask

New York MVA Leads,
Answered Plainly

If a question you have is not here, ask it on the call. We would rather lose a deal on a straight answer than win one on a vague one.

Call (800) 889-1679

New York's no-fault system pays up to $50,000 in basic economic loss regardless of fault — medical expenses, and 80% of lost earnings up to $2,000 a month. To recover pain and suffering, a claimant must clear the serious injury threshold at Insurance Law §5102(d). A claimant who cannot clear it is not a plaintiff, no matter how genuinely hurt. That makes threshold qualification the first real question about any New York MVA lead, and the one nobody was asking.

Part EE of the enacted budget amends §5102(d) to delete the 90/180 category. A non-permanent injury preventing substantially all usual activities for 90 of the first 180 days no longer clears the threshold. Eight categories remain. Confirm current effective dates and text with your own counsel — sources have reported the timing inconsistently, and courts have not yet interpreted the amended language.

Not quite, and the distinction is expensive. Part EE's CPLR §1411(b) bars recovery where the claimant's culpable conduct is greater than the defendant's, or greater than the defendants' combined fault. Not "50% or more." A claimant at 49% recovers. At 51% they may be barred. In multi-defendant crashes the comparison can run against combined fault, so identifying every responsible party affects whether the claimant clears the bar at all.

One firm. Not one to three. We put it in the contract because at least one competitor uses the word "exclusive" while disclosing that leads go to one to three suppliers, and the word has stopped meaning anything without a number attached.

Our rate card is published. For market context, analysis puts exclusive personal injury leads at $250–$600 and up, with New York at the high end, and $300–$1,500 in the most competitive markets. Ask any vendor who will not quote you why. The answer is usually that the price moves depending on how the call is going.

It doesn't. The serious injury threshold does not apply to motorcycle accident victims, because they are not eligible for no-fault benefits. Motorcycle claimants sit outside the Article 51 threshold entirely. That inventory is unchanged.

No. Soft-tissue claims with no imaging correlation and no permanency support, whose only route was 90/180, are discarded. We paid to generate them. Reselling them would be the profitable choice and a short one.

Credit. Duplicate, already represented, outside the statute, misrepresented injury, wrong territory — flag it and it's credited. Threshold grading is a documented classification recorded at intake, not a guarantee about how a court will rule, and we won't pretend otherwise.

All five boroughs — Brooklyn, Queens, Manhattan, the Bronx, Staten Island — plus Long Island (Nassau and Suffolk) and Westchester, with upstate coverage through Buffalo, Rochester, Yonkers, Syracuse, Albany, New Rochelle, Mount Vernon, Schenectady, and Utica. Exclusivity by county, or by borough in NYC.

Most campaigns move from signed agreement to first lead in three to five days, depending on target counties, threshold categories, and monthly volume.

New York MVA Leads, Screened Against the Serious Injury Threshold