New York car accident leads
Summit Leads supplies car accident leads in New York, as in every U.S. state, by real-time ping/post, exclusive by default, with ZIP code filters. New York is no-fault: Insurance Law 5104(a) (revised May 29, 2026) allows a suit for non-economic loss only for a serious injury, and claimants have three years to sue.
- Founded in 2025
- 40+ national buyer and supply partners
- All U.S. states
- Exclusive by default
New York facts for car accident lead buyers
| Fact | Value Source |
|---|---|
| Auto insurance system | No-fault; no recovery for non-economic loss except for a serious injury (Ins. Law 5104(a), revised May 29, 2026)New York Insurance Law 5104, Causes of action for personal injury New York State Senate |
| Basic economic loss | Up to $50,000 per person (Ins. Law 5102(a), revised May 29, 2026)New York Insurance Law 5102, Definitions New York State Senate |
| Personal injury statute of limitations | Three years (CPLR 214(5), version of February 25, 2022)CPLR 214, Actions to be commenced within three years New York State Senate |
| Fault rule in no-fault motor vehicle actions | Claimant barred if their culpable conduct is greater than the defendant's (CPLR 1411(b), revised May 29, 2026)CPLR 1411, Damages recoverable when contributory negligence or assumption of risk is established New York State Senate |
| Minimum bodily injury and death liability | $25,000 injury and $50,000 death per person; $50,000 injury and $100,000 death for two or more people (NY DFS, as of October 2026)Auto Insurance Information for Consumers New York State Department of Financial Services |
| Minimum property damage liability | $10,000 per crash (NY DFS, as of October 2026)Auto Insurance Information for Consumers New York State Department of Financial Services |
| Traffic fatalities | 1,117 in 2023 (NHTSA FARS)FARS Encyclopedia: Fatalities and Fatality Rates by State NHTSA |
| Lawyer advertising and referral rules | Rules 7.1 (Advertising), 7.2 (Payment for Referrals), 7.3 and 4.5 of 22 NYCRR Part 1200 (as amended through January 1, 2025)New York Rules of Professional Conduct (22 NYCRR Part 1200), as amended through January 1, 2025 New York State Bar Association |
| Personal injury solicitation waiting period | No solicitation before the 30th day after the incident, with a 15-day exception (Rule 7.3(e), as amended through January 1, 2025)New York Rules of Professional Conduct (22 NYCRR Part 1200), as amended through January 1, 2025 New York State Bar Association |
Last reviewed: October 7, 2026. A summary for education, not legal advice.
New York no-fault: basic economic loss and the serious injury line
This section is general information, not legal advice. It summarizes official sources as of October 7, 2026; check the current text of each rule before relying on it.
A New York injury claim starts with the claimant's own no-fault coverage. Insurance Law 5102(a) (revised May 29, 2026) defines basic economic loss as up to $50,000 per person of the listed items, such as medical expenses and lost earnings.
Suing the other driver is narrower. Between covered persons, Insurance Law 5104(a) (revised May 29, 2026) allows no recovery for non-economic loss except for a serious injury.
Section 5102(d) lists the categories, among them death, dismemberment, significant disfigurement, a fracture and several permanent or significant limitations of use. A lead that records a diagnosis such as a fracture gives a New York firm a direct match to that list.
Three years to sue, and the fault bar added for motor vehicle cases
New York allows more time than most states. CPLR 214(5) (version of February 25, 2022) requires an action to recover damages for a personal injury to be commenced within three years.
Fault follows two tracks in CPLR 1411 (revised May 29, 2026). Subsection (a) reduces damages in proportion to the claimant's culpable conduct without barring recovery. Subsection (b), for injury actions under article 51 of the Insurance Law, bars recovery when the claimant's culpable conduct is greater than the defendant's.
Buyers turn both rules into intakeIntakeThe process a law firm or its intake team uses to screen a potential client, collect the facts of the accident and injury, and decide whether to take the case. Glossary questions: the accident date for the three-year window, and fault answers for subsection (b).
New York liability minimums: 25/50/10
The Department of Financial Services auto insurance page (as of October 2026) gives the minimums mandated by the Vehicle and Traffic Law: $25,000 for bodily injury, or $50,000 for injury resulting in death, to one person in one accident; $50,000 for bodily injury, or $100,000 for death, to two or more persons; and $10,000 per accident for property damage. DFS notes these are often called 25/50/10.
For a claimant who clears the serious injury line, the other driver's bodily injury limit is the first coverage a firm checks, so buyers often ask whether the other driver was insured.
Traffic deaths in New York
The NHTSA FARS state table records 1,117 people killed in New York motor vehicle traffic crashes in 2023 (the latest final year). FARS counts deaths only, not injury crashes.
Part 1200 rules on advertising, referrals and solicitation
This section is general information, not legal advice. It summarizes official sources as of October 7, 2026; check the current text of each rule before relying on it.
The Rules of Professional Conduct in 22 NYCRR Part 1200 (New York State Bar Association text, as amended through January 1, 2025) cover how injury clients are reached:
- Rule 7.1, Advertising.
- Rule 7.2, Payment for Referrals.
- Rule 7.3, Solicitation and Recommendation of Professional Employment.
- Rule 4.5, Communication After Incidents Involving Personal Injury or Wrongful Death.
Rule 7.3(e) sets a timing rule for personal injury matters: a solicitation about a specific incident may not be disseminated "before the 30th day after the date of the incident," with a 15-day exception where a filing is due within 30 days. This page names the rules only; whether a lead program fits them is for the buying firm and its counsel.
What buyers in New York filter on
New York intake fields follow the no-fault statute more than in most states:
- Injury and diagnosis: tested against the serious injury categories in Insurance Law 5102(d).
- Treatment so far: shows how much of the claim may sit inside basic economic loss.
- Accident date: places the claim inside the CPLR 214(5) window.
- Fault answers: speak to the CPLR 1411(b) bar for the more culpable driver.
- Representation status: removes claimants who have already signed with a lawyer.
- ZIP code: limits delivery to the counties and ZIP codes a firm serves.
Where buyers filter in New York
The New York City metro area crosses into New Jersey and Pennsylvania, so its figure covers the whole area. The six largest metro areas with a New York core, by Census Bureau July 1, 2025 estimates, are below; any ZIP code can be selected.
- New York-Newark-Jersey City: 20,112,448 (July 1, 2025 estimate, whole metro area)
- Buffalo-Cheektowaga: 1,155,653 (July 1, 2025 estimate)
- Rochester: 1,056,149 (July 1, 2025 estimate)
- Albany-Schenectady-Troy: 915,835 (July 1, 2025 estimate)
- Kiryas Joel-Poughkeepsie-Newburgh: 718,377 (July 1, 2025 estimate)
- Syracuse: 652,273 (July 1, 2025 estimate)
Source: Metropolitan and Micropolitan Statistical Area population estimates, Vintage 2025 (cbsa-est2025-alldata), U.S. Census Bureau.
Consent records for New York car accident leads
A TCPATCPAThe Telephone Consumer Protection Act, the federal law that governs telemarketing calls and texts, autodialers, prerecorded voice messages and the Do Not Call Registry. Glossary consent record travels with every New York car accident lead. New York's own call statute is summarized in its row of the state telemarketing laws table, and the home improvement side of the state, along with the combined MVA view, is on leads in New York.
New York car accident lead questions
How much does New York no-fault pay before a lawsuit is needed?
Insurance Law 5102(a) (revised May 29, 2026) defines basic economic loss as up to $50,000 per person. This is general information, not legal advice.
What liability limits must a New York driver carry?
The Department of Financial Services (as of October 2026) lists $25,000 for bodily injury and $50,000 for death per person, $50,000 and $100,000 for two or more people, and $10,000 for property damage per crash.
How soon after a crash can a New York lawyer send a solicitation?
Rule 7.3(e) of the New York Rules of Professional Conduct (as amended through January 1, 2025) bars solicitation about a specific personal injury incident before the 30th day after it. This is general information, not legal advice.
Can a buyer take New York car accident leads upstate only?
Yes. Filters go down to the ZIP code, so a buyer can take Buffalo, Rochester or Albany area ZIP codes and leave out the New York City metro. Leads are exclusive by default, with shared delivery on request.
Request New York car accident leads
Email us the New York ZIP codes you cover, your daily volume or caps and how you take delivery. ReturnReturnA buyer's request for credit on a lead that fails agreed standards, such as a disconnected number, a duplicate or a lead outside the filters. Glossary terms are agreed on the onboarding call, before you go live.
Start small, with no long-term commitment
- No long-term contract. Pause or stop at any time.
- No setup fee and no monthly fee. You pay only for leads delivered that match your filters.
- Start with a small test volume and scale when the numbers work.
- MVA and home improvement leads are exclusive by default: each lead is sold to one buyer.
- Return terms are agreed on the onboarding call, before you go live.
Or write to team@summitleads.ai. We reply by email.
Generating leads instead? Sell your leads