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OTHER KEY POINTS OF NEW YORK PIP RECOVERY For further explanation and many other case notes, see our website at www.janmeyerlaw.com/nypip.

  • Recovery of PIP from the insurer of a vehicle (i.e. in an accident involving a vehicle for hire or weighing over 6,500 pounds) does not come out of the insurer’s liability limits. N.Y. Ins. L. § 5105(c).

  • “Optional Basic Economic Loss” (OBEL) is treated as regular PIP, as it is part of the definition of “Basic Economic Loss” in N.Y. Ins. L. § 5102(a)(5).

  • Out of State Vehicles are treated as NY vehicles if insured by an insurer authorized in NY or which has filed with the Commissioner of Insurance consenting to service of process and declaring that their policies will meet NY requirements for accidents in NY. Otherwise, they are considered a “non-covered” vehicle and PIP may be recovered through N.Y. Ins. L.§ 5104 (b). Access http://www.janmeyerlaw.com/nypip/covered.html for help determining an insurer’s status.

  • NY PIP statutes do not apply to out-of-state accidents. Hunter v. OOIDA Risk Retention Group, Inc., 909 N.Y.S.2d 88 (2nd Dept. 2010). The laws of other states (e.g. the location of the accident) may affect PIP recovery rights in these accidents and NY’s anti-subrogation law may apply.

  • PIP recovery is not “subrogation.” PIP recovery is a statutory right held by the insurer. APIP recovery is a subrogation right and is treated as a regular tort. This may have many practical implications. For example, an insured signing a release to the tortfeasor may affect the insurer’s right to recover APIP, but cannot affect the insurer’s right to recover PIP. Similarly . . .

    • A Tort Claims notice is not required for PIP arbitration, since recovery of PIP is a statutory right and not a tort. City of Syracuse v. Utica Mut. Ins. Co., 83 A.D.2d 116, 443 N.Y.S.2d 901 (4th Dept. 1981), affd. 61 N.Y.2d 691, 460 N.E.2d 1085, 472 N.Y.S.2d 600 (1984).

    • The SOL for PIP arbitration is three years from each individual payment even if the tortfeasor was a governmental entity, City of Syracuse, whereas the SOL for APIP will be the same as for torts (generally three years from the date of loss, except where suing the state, municipality, or public corporation).

  • Self-insurers are treated as insurers. For example, if there is a right of recovery under N.Y. Insurance Law § 5105(a) (i.e. the accident involves a vehicle for hire or a vehicle over 6,500 pounds), the self-insuring company must go to arbitration. See City of Syracuse v. Utica Mut. Ins. Co., 90 A.D.2d 979, 456 N.Y.S.2d 571 (4th Dept. 1982), affd. 61 N.Y.2d 691, 472 N.Y.S.2d 600, 460 N.E.2d 1085(1984), Criterion Ins. Co. of W ashington, D. C. v. Commercial Union Assur. Co., 89 Misc.2d 36, 41, 390

      • N.

        Y.S.2d 953, 958 (N.Y. Sup. Ct. 1976)

  • Suing instead of arbitrating is not the end of the world. N.Y.C.R.R. 65.10(d)(5)(i) specifies that if a matter that should go to Arbitration Forums is "inadvertently placed in litigation," the case can be discontinued for purposes of submitting the matter to Arbitration Forums, and for Statute of Limitations purposes it will be counted as if the matter was filed with Arbitration Forums on the day that the litigation was instituted.


  • Texts of relevant statutes with hyperlinks to definitions of key terms.

  • Additional case law & notes regarding PIP recovery.

  • Selected NY laws related to subrogation including:

    • Selected NY Statutes of Limitation.

    • How are an insurer’s subrogation rights effected if the insured signs a release to the tortfeasor?

    • Is it safe to settle with one tortfeasor if I want to recover from another tortfeasor as well?

    • How does the new New York Anti-Subrogation law affect subrogation?

    • ERISA subrogation in NY.

    • Selected special rules for claims against government entities.

    • Similar discussions and “quick guide” for New Jersey PIP recovery.

PLEASE NOTE that this document is a reference guide only and that the opinions set forth herein are subject to and qualified in all respects by the following: (1) W e are members of the Bars of the States of New Jersey and New York, and do not hold ourselves out as being an expert in, and do not express any opinion herein as to any jurisdiction other than the states of New York and New Jersey; and (2) The foregoing expresses our legal opinion as to the matters set forth above based upon our professional knowledge and judgment in reliance upon the facts known and legal precedents as of the date of this opinion. This opinion should not be construed as a guarantee that a Court of com petent jurisdiction considering such matter would not rule in a manner contrary to the opinions set forth above.

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