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Being hurt because of someone else’s carelessness is stressful enough without a legal clock running in the background. This page explains the New York rules that most often decide how an injury claim from White Plains unfolds. Below you will find the key deadlines at a glance, how fault is shared, how no-fault auto insurance limits some crash claims, what changes when a government body is involved, and which court hears a case from Westchester County. The facts of your injury decide which rule controls, and an attorney who practices in New York courts can sort that out quickly.
New York Injury Claim Rules at a Glance
- 3 years is the general limit to file a lawsuit for a personal injury (CPLR 214(5)), with different rules for minors and government defendants.
- Hurt on public property or by a public vehicle? Serve a notice of claim within 90 days (General Municipal Law 50-e), and get advice quickly.
- Fault is shared, not all-or-nothing, outside crash cases: a person 30% at fault can still recover 70% of the damages found (CPLR 1411(a)). Motor vehicle cases have a stricter bar in CPLR 1411(b).
- After a crash, notice to the insurer matters. Written notice of the accident is due as soon as reasonably practicable and no more than 30 days after the accident (11 NYCRR 65-1.1).
- Fatal accidents have two kinds of claims: wrongful death for the family (EPTL 5-4.1) and the survival of the decedent’s own injury claim (EPTL 11-3.2(b)).
The Three-Year Filing Deadline and Its Exceptions
Start with the three-year limit in CPLR 214(5), which covers actions to recover damages for a personal injury, then check whether a listed exception, such as a claim against a government body, changes the count.
The three-year clock can be extended for a child: under CPLR 208(a), where the person was under a disability because of infancy when the cause of action accrued, the time runs to three years after the disability ceases, without the ten-year cap except in malpractice cases.
Families should know the wrongful death period is two years from the death (EPTL 5-4.1), shorter than the three-year injury period, and that a personal injury cause of action does not end when the injured person dies (EPTL 11-3.2(b)).
Claims against local government start sooner. Before suing a city, county, town, village, fire district, or school district, a notice of claim must be served within ninety days after the claim arises (General Municipal Law 50-e(1)(a)), and the action must be commenced within one year and ninety days after the event, or two years in a wrongful death case (General Municipal Law 50-i(1)).
Before suing, the complaint must also allege that thirty days have passed since the notice of claim was served and that adjustment or payment has been neglected or refused (General Municipal Law 50-i(1)). A court may extend the time to serve a late notice on application, but the extension cannot go past the time allowed to start the action (General Municipal Law 50-e(5)).
For the State itself, the ninety-day rule appears in Court of Claims Act 10(3). A written notice of intention served on the Attorney General within ninety days extends the time to file the claim to two years after accrual.
A claimant who misses those dates may ask the court for permission to file late, at any time before an action against a private person for the same claim would be barred under CPLR article 2 (Court of Claims Act 10(6)).
If the injury came from medical care, CPLR 214-a applies instead of the general rule: two years and six months, continuous treatment for the same condition extends the period, and a foreign object discovered in the body may be sued on within one year of discovery.
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Comparative Fault Under CPLR 1411
The general rule is in CPLR 1411(a): damages are diminished in proportion to the claimant’s share of the culpable conduct that caused them. A claimant who is partly at fault still recovers in most injury cases, reduced by that share.
The numbers work like this in a fall or premises case: at 30% fault, an award of $100,000 becomes $70,000, and at 60% fault it becomes $40,000. Because every percentage point moves the number, how fault is proven matters as much as how much was lost.
Insurance Law article 51 cases have a threshold that other injury cases do not: under CPLR 1411(b), a claimant more at fault than the defendant, or than the defendants combined, cannot recover. The rule took effect May 26, 2026 for actions and proceedings commenced on or after that date (Chapter 58 of the Laws of 2026).
With several defendants, CPLR 1601(1) limits the liability of a defendant found 50 percent or less at fault for non-economic loss to that defendant’s equitable share, determined by relative culpability. Exceptions are found in CPLR 1602.
Basic Economic Loss, Serious Injury, and Crash Lawsuits
Insurance Law 5102(a) defines basic economic loss as up to fifty thousand dollars per person of medical and related expenses, lost earnings, and other reasonable and necessary expenses, subject to the limits in the article. It applies whoever was at fault for the collision.
Two limits are worth knowing. Earnings are recognized up to two thousand dollars a month for a maximum of three years, and other necessary expenses up to twenty-five dollars a day for one year (Insurance Law 5102(a)). Extra optional coverage of twenty-five thousand dollars can be purchased.
Whether an injury is a serious injury is often disputed. The statute lists categories, among them death, dismemberment, significant disfigurement, a fracture, permanent loss of use, permanent consequential limitation, and significant limitation of use of a body function or system (Insurance Law 5102(d)), and Insurance Law 5104(a) ties non-economic damages to it.
The regulation on mandatory no-fault coverage (11 NYCRR 65-1.1) calls for written notice of the accident within 30 days at most and written proof of claim within 45 days after services, so paperwork should start early.
Two changes from Chapter 58 of the Laws of 2026 apply to actions commenced on or after May 26, 2026: the 90/180-day category no longer appears in the serious injury definition, and the trier of fact must determine fault first and then the existence of a serious injury before liability for non-economic loss is fixed (Insurance Law 5104(a)).
When a Government Body Is Responsible for the Injury
Local governments must receive a notice of claim first. General Municipal Law 50-e(1)(a) sets ninety days after the claim arises, and General Municipal Law 50-i(1) adds the thirty-day wait before suit and the one year and ninety days period to commence the action.
Notice of the defect itself can be a separate hurdle. Under Town Law 65-a(2), written notice specifying the particular place must have been given to the town clerk or the superintendent of highways, and Village Law 6-628 applies a similar rule to villages, including snow and ice conditions.
For state defendants the timing is in Court of Claims Act 10(3): a claim filed and served on the Attorney General within ninety days after accrual, or a written notice of intention within that time followed by a claim within two years.
Since the notice period is far shorter than the general three years, government cases should be checked first for who owns the road, sidewalk, or vehicle.
Where an Injury Case From White Plains Is Filed
New York’s trial court of general jurisdiction is the Supreme Court, which handles civil cases seeking money damages above the limits of the local courts. Smaller claims can be brought in lower courts that have their own dollar limits, and in New York City the Civil Court of the City of New York has jurisdiction over money actions where the amount sought does not exceed $50,000 (New York City Civil Court Act 202). Claims against the State itself go to the Court of Claims.
Under Judiciary Law 140, the counties are grouped into thirteen judicial districts. The trial court for a case from White Plains is the Supreme Court in Westchester County, in the Ninth Judicial District. The county seat of Westchester County is White Plains.
The Claims That Come Up Most in Westchester County
Motor Vehicle Accident Claims
A crash claim starts with proving who was at fault and how the injuries occurred, and then with the no-fault system. Basic economic loss is covered up to $50,000 (Insurance Law 5102(a)), a lawsuit for pain and suffering requires a serious injury (Insurance Law 5104(a)), and in an action commenced on or after May 26, 2026 a claimant found more at fault than the defendant is barred (CPLR 1411(b)).
A fracture is one of the categories the serious injury definition lists (Insurance Law 5102(d)).
Premises Liability Claims
When someone is hurt on another’s property, the case centers on what the owner knew or should have known and what was done about it, and on how much of the fault the injured person shares under CPLR 1411.
Claims involving government-owned property carry a ninety-day notice requirement (General Municipal Law 50-e(1)(a)), and snow and ice on a town sidewalk brings in Town Law 65-a(2).
Wrongful Death and Survival Claims
Two claims can come from a fatal accident: the wrongful death action under EPTL 5-4.1 and the survival of the decedent’s own personal injury claim, which the personal representative may bring or continue (EPTL 11-3.2(b)).
A criminal action for the death can extend the deadline to at least one year after that action ends (EPTL 5-4.1).
Workplace and Construction Injuries
Employees generally cannot sue their own employer for a work injury because of the exclusivity provision (Workers’ Compensation Law 11), but they may pursue a third party whose negligence caused the injury (Workers’ Compensation Law 29(1)).
A fall from a ladder or scaffold at a job site can raise Labor Law 240(1), which covers furnishing scaffolding, hoists, stays, and ladders for the work.
Not sure which deadline applies to your injury? Get matched with an attorney.
What to Know About Cases in White Plains
White Plains cases are heard in Westchester County. Knowing which court you will be in, and how it schedules cases, matters because deadlines such as the three-year filing limit and the ninety-day government notice run regardless of the court, and an attorney who handles claims from Westchester County can watch those dates for you.
For the full list of New York communities we serve, see our New York personal injury page. Related city pages in this region: New Rochelle, Yonkers, and Mount Vernon. If your issue is a patent, trademark, or copyright matter instead of an injury, see our White Plains intellectual property page.
Where Injury Care Is Available in White Plains
The hospital in White Plains is White Plains Hospital, at 41 East Post Road.
Seeing a doctor promptly matters for your health, and the records that result help document an injury for a claim. The facilities named here are listed only as a factual reference to where they are.
Frequently Asked Questions
Can I still file a lawsuit for an injury from a while ago?
It depends on how long ago. Three years is the general limit (CPLR 214(5)), but some situations change the count, such as a claim by a minor (CPLR 208(a)) or a claim against a public body. An attorney can look at the date of the injury.
Do I have to give notice before suing a city, county, or town in New York?
Yes. Before suing a city, county, town, village, fire district, or school district, a notice of claim must be made and served under General Municipal Law 50-e, and thirty days must pass without adjustment or payment before suit (General Municipal Law 50-i(1)).
How does shared fault reduce my compensation in New York?
Damages are diminished in the proportion which your culpable conduct bears to the culpable conduct which caused them (CPLR 1411(a)). If you are found 30% at fault, for example, a $100,000 award becomes $70,000 outside the motor vehicle rule.
Can I recover if I was more than 50% at fault in a car accident?
In a motor vehicle case covered by Insurance Law article 51 and commenced on or after May 26, 2026, a claimant whose culpable conduct is greater than the defendant’s, or the defendants’ combined, is barred (CPLR 1411(b)).
Can I get lost wages under no-fault?
Yes, within limits: loss of earnings is counted up to $2,000 a month for a maximum of three years (Insurance Law 5102(a)).
Who decides whether my injury is serious?
In a crash lawsuit, the trier of fact determines fault first and then the existence of a serious injury, and liability for non-economic loss cannot be fixed until a serious injury is found (Insurance Law 5104(a), as amended in 2026).
What is a wrongful death claim in New York?
It is an action for a death caused by another’s wrongful act, brought by the personal representative of the person who died and commenced within two years after the death (EPTL 5-4.1).
Is there a court for smaller injury claims?
Yes. Smaller claims can go to local courts with their own dollar limits, and in New York City the Civil Court has jurisdiction of money actions up to $50,000 (New York City Civil Court Act 202).
What if someone other than my employer caused my work injury?
Then you may have a third-party claim against that party, separate from workers’ compensation against the employer (Workers’ Compensation Law 29(1)).
Is the injury deadline different for a person under a disability?
Yes. CPLR 208(a) extends the time for a person under a disability because of infancy or insanity to three years after the disability ceases, subject to the limits stated in that section.
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