NEW YORK AUTO INSURANCE GUIDE

New York Crash Damages, Three-Year Property Limitation & Loss of Use

This guide will address New York motor-vehicle damages, including repair or total-loss valuation, diminution issues, rental and loss-of-use claims, personal property, and the generally applicable three-year limitation period for injury to property.

Publication review note — September 17, 2026. Verify current CPLR limitation provisions, damages authority, mitigation requirements, and policy terms before publication.