New York
Your AI Accident Assistant for New York.
We handle New York property-damage claims end-to-end — body shop, rental, total loss, diminished value, loss-of-use, and recovery dollars.
How New York treats your claim
- Total loss threshold
- 75% of fair market value
- Appraisal clause
- Available on request
- Diminished value (DV) recovery
- Recoverable
- Loss-of-use (extended rental)
- Recoverable as damages
- Statute of limitations
- 3 years
- Small claims cap
- $10,000
- Fault rule
- Pure comparative fault
- First-party PA license
- Not required for consumer DIY
TMT: a fixed % triggers a total loss.
Franklin Corp. v. Prahler, 932 N.Y.S.2d 610 (third-party tort-measure DV cite available if needed); NO controlling NY appellate first-party DV authority
NY Insurance Law §§ 2101, 2108; 11 NYCRR Part 25-A; DFS OGC Opinion 04-06-08
Dive deeper into New York
What Claimoe does for New York claims
- · Drafts every adjuster email for your approval, with New York-specific language and citations.
- · Calculates your diminished value using the 17c framework and Franklin Corp. v. Prahler, 932 N.Y.S.2d 610 (third-party tort-measure DV cite available if needed); NO controlling NY appellate first-party DV authority.
- · Tracks the 60-day appraisal-clause window and invokes it on your behalf when appropriate.
- · Files loss-of-use extensions if your rental cap expires before repair completes.
- · Watches your case 24/7 and only pings you when you need to decide.
Other states we cover
Drafted by AI · New York rules summarized for general information; not legal advice. We update each state as carriers and legislatures change. Source citations linked from your case dashboard.