As of January 1, 1997 New York State has increased the minimum automobile liability insurance policy limits from $10,000 per person and $20,000 per accident to $25,000 per person and $50,000 per accident.

Simply falling on someone's property does not make them legally liable to compensate the injured person, however, should the property owner cause, create or permit a dangerous or defective condition to exist on their property, they are legally responsible to an injured victim.

In New York State if you are injured as a result of a fall from a ladder or scaffold (and certain other criteria are met), the owner and general contractor for the job are strictly liable for all injuries sustained. Strict liability means that the injured victim cannot be held responsible for causing his or her own injuries regardless of how the fall occurs.

New York State's no-fault laws (payment of medical bills, wage loss, and other expenses through automobile insurance) do not apply to operators of and passengers on motorcycles. However, the New York State law requiring people injured in vehicular accidents who sustain "serious injuries" does not apply to motorcycles so that any injury can qualify a person to bring a claim.

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