Signed Retainer Delivery

New York

Velocity Axis delivers signed MVA retainers to New York personal injury firms under written criteria. For actions commenced on or after May 26, 2026, non-economic recovery requires one of eight objectively provable serious-injury categories under New York's current no-fault law, after the 90/180-day category was removed.

Legal record

Tort system

No-fault with a serious-injury threshold.

Minimum coverage

$25,000 per person / $50,000 per accident / $10,000 property damage, with $50,000 per person / $100,000 per accident where death results

UM and UIM

UM coverage is mandatory at $25,000 per person and $50,000 per accident, and optional SUM must be offered up to $250,000 per person and $500,000 per accident.

Stacking

The prescribed SUM endorsement mandates non-stacking.

Non-economic cap

No general cap; a $100,000 cap applies to uninsured, DUI-convicted, or felony claimants and does not apply to wrongful death.

Recovery threshold

For actions commenced on or after May 26, 2026, the categories are death, dismemberment, significant disfigurement, fracture, loss of a fetus, permanent loss of use, permanent consequential limitation, and significant limitation.

Negligence rule

For MVA personal injury actions, modified comparative negligence bars recovery where the claimant's fault is greater than the defendant's, effective May 26, 2026.

Statute of limitations

3 years

Advertising and solicitation

Every advertisement

Every advertisement names and gives contact information for at least one responsible lawyer or firm under Rule 7.1(d), effective June 1, 2026.

Solicitation

Attorney-initiated live real-time contact remains barred, but the prior 30-day blackout was repealed effective June 1, 2026. A consumer-initiated inquiry is advertising, not solicitation, so a claimant who completes a form may retain the firm the same day.

Case value

Non-economic recovery requires one of the eight remaining serious-injury categories. Uninsured, DUI-convicted, and felony claimants face a $100,000 non-economic damages cap, except in wrongful death.

Sources

Statutes and rules

Insurance Law §5102(d); Insurance Law §5104(a); Insurance Law §5104(d); CPLR §1411(b); CPLR §214(5); 11 NYCRR §60-2.3(f); New York Rule of Professional Conduct 7.1(d); Joint Appellate Division Order of May 27, 2026.