New York

Canadian car accidents New York, USA

New York State borders Canada’s most populous province – Ontario.  It also shares with Ontario North America’s most visited natural wonder Niagara Falls.  (Check out the New York State tourist travel site –  When perusing the site you will notice some other little knows facts.)  Toronto, is known as the “little Apple” as compared to New York City “big Apple”.  These two cities share the title of having the most live theatrical shows in NA. (Lets not forget Ontario’s Shaw and Stratford festivals’).

With multiple border crossings, New York and Ontario are major vehicular thoroughfares for tourists, business and commerce going to and fro between Canada and the USA. It is also one of the first USA states Canadian Snowbirds travel through when they head to Florida for the winter.

Cross Border accidents are very common between the two jurisdictions.  For Canadians, injured in a car accident in the state of New York, they have 3 three years from the date of the accident to file a lawsuit against those responsible.

New York is a no-fault car insurance state.  If you are injured in a car accident, you look to your own car insurance policy to receive accident benefits for medical expenses and other economic losses.

Canadians can bring a lawsuit in New York for personal injuries suffered in a motor vehicle accident if they pass the state’s “serious injury” threshold.  You need to be suffering a: serious disfigurement; or a fractured bone; or a permanent serious impairment; or a significant limitation of use of your body; or substantially-fully disabled for 90 days.  This is a complicated test and claimants need to speak to a qualified New York Attorney as to whether or not they meet any or all of the requirements.

New York’s minimal liability car insurance coverage is $25,000.  In most instances, Canadians will also have to claim underinsured and/or uninsured benefits from their Canadian Insurer.  

Importantly, regardless of fault, nearly everyone involved in a car accident in New York has contractual (PIP) accident benefits.  These benefits need to be applied for and accessed in the state or province you normally reside in.  For Canadians the benefits are called Statutory Accident Benefits and must be claimed in Ontario has been helping seriously injured Canadians and Snowbirds get the treatment and care they need to recover from their injuries and to receive compensation for their losses. We understand it is not only the injured party that may require assistance but also loved ones that face significant injuries and challenges.

Cross Border Car Accidents are Complicated.  We arrange for you to speak to some of the best Personal Injury Attorneys in New York, who are familiar with cross border accidents. They work collaboratively with other lawyers and attorneys in various states and provinces in order to protect you and your family’s legal rights and remedies.

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