PERSONAL INJURY

Personal Injury Counsel Built for Real Recovery

Morgan Legal Group represents injured New Yorkers on a contingency-fee basis — no recovery, no fee. We handle motor vehicle accidents inside the no-fault scheme, slip and fall and premises liability matters, medical malpractice, construction Labor Law cases, and wrongful death actions. Investigation begins the day we are retained, because evidence in injury cases disappears fast.

Russel Morgan, Esq.

Russel Morgan, Esq.

Founder & Principal Attorney

Personal Injury in New York

New York operates a no-fault auto insurance system under Insurance Law § 5102. After an automobile accident, your own carrier pays the first $50,000 of medical bills and lost wages regardless of who was at fault — Personal Injury Protection (PIP) benefits. To sue the other driver beyond no-fault PIP, the injured party must establish a "serious injury" under the § 5102(d) threshold (significant disfigurement, fracture, permanent loss or significant limitation of a body function, or 90/180-day disability). The serious injury threshold is the central battleground in most NYC auto cases.

New York is a pure comparative fault jurisdiction under CPLR § 1411. Recovery is reduced by the plaintiff's percentage of fault, but it is never barred — a plaintiff who is 70% at fault still recovers 30% of the damages, and a plaintiff who is 99% at fault still recovers 1%. This is one of the most plaintiff-favorable comparative-fault rules in the country, and it is one of the most important reasons New York remains a viable forum for catastrophic-injury litigation.

Statutes of limitations are short and absolutely fatal if missed. General negligence: three years under CPLR § 214. Medical malpractice: two and a half years under CPLR § 214-a from the act or the end of continuous treatment. Wrongful death: two years from death under EPTL § 5-4.1. Claims against the City of New York, NYC Transit, the MTA, or any other municipal defendant require a Notice of Claim within ninety days of the incident and the action commenced within one year and ninety days, per General Municipal Law §§ 50-e and 50-i.

Premises liability in New York is governed by a notice-based negligence framework. The property owner is liable only if the owner had actual or constructive notice of the dangerous condition and a reasonable opportunity to remedy it. "Open and obvious" hazards may negate the duty to warn (though not necessarily the duty to maintain). Whether the condition was "transient" or "recurrent" often determines whether constructive notice can be established. The case is won or lost on the documentary record built in discovery.

Full-Scope Representation

Every personal injury is different. Below are the services we routinely deliver — bundled or à la carte, depending on what your case needs.

Motor Vehicle Accidents

We handle car, truck, motorcycle, pedestrian, and bicycle accident cases inside the no-fault scheme. Work begins with PIP application to the host carrier, then proceeds to the third-party negligence claim against the other driver — establishing the § 5102(d) serious injury threshold, calculating economic and non-economic damages, and pursuing UM/UIM (uninsured / underinsured motorist) coverage where the at-fault driver's policy limit is inadequate.

  • No-fault PIP application and dispute resolution
  • Serious injury threshold (Ins Law § 5102(d))
  • UM/UIM coverage claims
  • Comparative fault defense (CPLR § 1411)
  • Property damage and rental car subrogation

Slip, Trip & Fall

Slip and fall cases turn on notice. We build the case for actual or constructive notice of the dangerous condition — prior accident reports, prior complaints, maintenance schedules, surveillance footage, and (where the condition is recurrent) the documentary trail showing the defendant should have known. We defend against the "open and obvious" defense and the "transient condition" defense that defendants reflexively assert.

  • Actual and constructive notice proof
  • Surveillance footage preservation
  • Open and obvious defense rebuttal
  • Black ice and weather-related claims
  • Building code and ADA violation overlays

Premises Liability

Beyond slip and fall, premises cases include apartment hazards, inadequate security claims (the Burgos line of cases for negligent security against landlords), swimming pool incidents, dog bites under New York's one-bite/known-vicious-propensity rule, and elevator and escalator malfunction claims. The notice-based negligence framework applies, and the strength of the case is usually built in the maintenance records.

  • Inadequate security claims
  • Apartment hazards and code violations
  • Swimming pool and recreational facility incidents
  • Dog bites (known vicious propensity)
  • Elevator and escalator malfunction

Medical Malpractice

Medical malpractice cases require a Certificate of Merit under CPLR § 3012-a — an attorney affidavit confirming consultation with a qualified expert who has reviewed the records and concluded that there is a reasonable basis for the claim. The two-and-a-half-year statute under CPLR § 214-a, the continuous-treatment doctrine, and the foreign-object discovery rule all interact to determine when the SOL actually expires. The cases are document-heavy and expert-driven.

  • CPLR § 3012-a Certificate of Merit
  • Continuous treatment doctrine
  • Foreign object discovery rule
  • Expert witness coordination
  • Birth injury and surgical error claims

Construction Accidents (Scaffold Law)

New York Labor Law §§ 200, 240(1), and 241(6) create a uniquely worker-protective scheme on construction sites. Section 240(1) — the "Scaffold Law" — imposes absolute liability on the owner and general contractor for elevation-related injuries (falls from heights, falling objects), with comparative fault NOT available as a defense. Section 241(6) imposes liability for violation of Industrial Code regulations. Section 200 codifies the common-law duty to provide a safe workplace.

  • Labor Law § 240(1) absolute liability (Scaffold Law)
  • Labor Law § 241(6) Industrial Code violations
  • Labor Law § 200 common-law negligence
  • Workers' compensation lien navigation
  • Recalcitrant worker and sole proximate cause defenses

Wrongful Death

A wrongful death action is brought by the personal representative of the decedent's estate under EPTL § 5-4.1 for the pecuniary loss suffered by the distributees. Pain and suffering of the decedent before death is recovered through a separate survival action. The SOL is two years from death. The proceeds are distributed to the distributees by the same intestacy framework that would have applied if the decedent had died without a will, regardless of what the will actually says.

  • EPTL § 5-4.1 pecuniary loss claim
  • Survival action for pre-death pain and suffering
  • Personal representative appointment in Surrogate's Court
  • Distribution to statutory distributees
  • Coordination with the estate administration
NEW YORK

New York Personal Injury — Key Facts

The statutes, deadlines, and doctrines that govern injury litigation in New York.

SOL — negligence
3 years from injury (CPLR § 214)
SOL — medical malpractice
2.5 years from act / end of continuous treatment (CPLR § 214-a)
SOL — wrongful death
2 years from death (EPTL § 5-4.1)
SOL — municipal defendants
1 year + 90 days, with Notice of Claim within 90 days (GML §§ 50-e, 50-i)
Comparative fault
Pure comparative — recovery reduced by % fault, never barred (CPLR § 1411)
No-fault PIP cap
$50,000 of medical and lost wages (Ins Law § 5102)
Serious injury threshold
Required to sue auto driver beyond PIP (Ins Law § 5102(d))
Construction Scaffold Law
Absolute liability on owner / GC for elevation injuries (Labor Law § 240(1))

Our Personal Injury Process

A defined path from intake through resolution — contingency fee, no recovery, no fee.

  1. I

    Free Case Evaluation

    We meet with the injured party, review the police or incident report, the medical records to date, and any photographs or video, and assess the liability and damages posture. The engagement is on a contingency-fee basis — no fee is owed unless we recover.

  2. II

    Investigation & Evidence Preservation

    Evidence in injury cases disappears fast — surveillance footage is overwritten in days, witnesses move, conditions change. We send preservation letters to defendants, subpoena video, locate witnesses, photograph the scene, and retain experts (accident reconstructionists, biomechanical engineers, life-care planners) where the case warrants.

  3. III

    Medical Treatment Monitoring

    Consistent treatment is essential — both for the client's recovery and for the documentary record. We track the medical course, coordinate with the treating providers on the narrative reports that the case will require, and protect the client from the no-fault carrier's independent medical examinations (IMEs) used to cut off benefits.

  4. IV

    Demand & Negotiation

    Once treatment has stabilized, we prepare a detailed demand package — liability theory, medical chronology, damages calculation (past and future medical, past and future lost wages, pain and suffering) — and open settlement negotiations with the insurance carrier. The carrier's opening offer is rarely the carrier's last offer.

  5. V

    Litigation & Discovery

    If negotiation does not produce a fair settlement, we file suit. Discovery follows — depositions of the plaintiff, the defendant, the witnesses; document demands; medical examinations under CPLR § 3121; expert disclosure under CPLR § 3101(d). The case posture shifts substantially once the defendant's carrier sees the case we will actually present at trial.

  6. VI

    Trial or Settlement

    Most cases settle at the conclusion of discovery, on the eve of trial, or during trial itself. We try the cases that need to be tried — to verdict — and we prepare every case as if it will be tried, because the cases that settle for full value are the cases the defendant's carrier believes will be tried hard.

Questions, Answered

The questions clients ask most when they pick up the phone. Still need more? Call or schedule a consultation — we're happy to walk through your specific facts.

Ask Us Directly
How long do I have to sue after an accident in New York?

It depends on the type of claim and the defendant. General negligence — three years under CPLR § 214. Medical malpractice — two and a half years under CPLR § 214-a from the act or the end of continuous treatment. Wrongful death — two years from death under EPTL § 5-4.1. Claims against the City of New York, the MTA, NYC Transit, or any other municipal defendant — Notice of Claim within ninety days and lawsuit within one year and ninety days, under General Municipal Law §§ 50-e and 50-i. Missing the statute of limitations is fatal — the case is dismissed regardless of the merits.

What is no-fault insurance?

No-fault is the New York scheme codified at Insurance Law § 5102 under which your own auto insurance carrier pays the first $50,000 of medical bills, lost wages (up to $2,000 per month), and related expenses after an auto accident — regardless of whose fault the accident was. The trade-off is that to sue the at-fault driver beyond the no-fault PIP benefits, the injured party must establish a "serious injury" under § 5102(d). No-fault applies to drivers, passengers, and pedestrians struck by motor vehicles.

What is the "serious injury" threshold?

Insurance Law § 5102(d) defines serious injury as a personal injury that results in death; dismemberment; significant disfigurement; fracture; loss of a fetus; permanent loss of use of a body organ, member, function, or system; permanent consequential limitation of use of a body organ or member; significant limitation of use of a body function or system; or a medically determined injury or impairment that prevents the injured person from performing substantially all of the material acts that constitute his or her usual and customary daily activities for not less than ninety days during the one hundred eighty days immediately following the accident. The threshold is the central battleground in most NYC auto cases.

What happens if I was partly at fault for the accident?

New York is a pure comparative fault state under CPLR § 1411. Your recovery is reduced by your percentage of fault, but it is never barred. If a jury finds you 30% at fault, you recover 70% of your damages. If a jury finds you 70% at fault, you still recover 30% of your damages. Comparative fault is one of the most important reasons New York remains a viable forum for catastrophic-injury litigation — many other states bar recovery once the plaintiff's fault crosses 50% or 51%.

How much is my case worth?

Case value depends on the liability picture (clear liability versus comparative fault), the nature and permanence of the injuries, past and future medical expenses, past and future lost earnings, the impact on activities of daily living, and the venue and judge. Two cases with the same injury can produce very different recoveries based on liability and venue. We do not quote a number until we have the medical records, the wage records, and the liability discovery in hand — but we will tell you honestly what the case is worth once we do.

Do I have to sue, or can my case settle?

Most personal injury cases settle without trial. The questions are when and for how much. Some settle pre-suit on a demand letter and negotiation. Most settle at the end of discovery, on the eve of trial, or during trial itself. A small number go to verdict. We prepare every case as if it will be tried, because the cases that settle for full value are the ones the carrier believes we will actually try.

What is the construction Scaffold Law?

New York Labor Law § 240(1) — known as the Scaffold Law — imposes absolute liability on the owner and general contractor of a construction project for elevation-related injuries to workers (falls from heights, falling objects). Unlike ordinary negligence, comparative fault is not a defense to a Section 240(1) claim. The narrow exceptions are recalcitrant worker (the worker affirmatively refused a safety device that was readily available) and sole proximate cause (the worker's own action was the only cause of the injury). The statute is one of the most worker-protective in the country.

Can I sue the City of New York?

Yes — but the procedure is unforgiving. A Notice of Claim must be served on the City Comptroller within ninety days of the accident under General Municipal Law § 50-e. The lawsuit must be commenced within one year and ninety days of the accident under § 50-i. A 50-h hearing (a transcribed pre-suit examination of the claimant) is typically required before the lawsuit can proceed. The City of New York, NYC Transit, the MTA, the NYPD, the FDNY, the DOE, and the Health & Hospitals Corporation are all subject to the same regime.

Will my case go to trial?

Most cases do not. The vast majority of New York personal injury cases settle at some point — pre-suit, during discovery, at the eve of trial, or during trial. The cases that go to verdict are typically those with a fundamental liability dispute or a damages valuation gap that neither side will close. When the case must be tried, it must be tried — and we try them.

What does it cost to hire a personal injury attorney?

Nothing out of pocket. Personal injury cases are handled on a contingency fee — the firm advances costs and disbursements (medical record retrieval, expert fees, court filing fees, deposition transcripts) and is paid a percentage of the recovery only if and when there is a recovery. The standard New York contingency fee is one-third of the net recovery (after disbursements). No recovery, no fee. The engagement letter spells out the percentages, the cost-advance structure, and the lien priority in detail.

Russel Morgan, Esq.

Article Author

Russel Morgan, Esq.

Founder & Principal Attorney

Admitted New York · New Jersey · decades of estate practice

Free Personal Injury Consultation

Schedule a free 30-minute case evaluation. We will review the facts, the medical situation, and the liability posture — and give you an honest assessment of the case. Contingency fee: no recovery, no fee.