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Manhattan has the highest density of TLC-licensed vehicles (yellow taxis, green taxis, FHV/Uber/Lyft/Via) of anywhere in the country. Many — perhaps most — of the auto accidents in Manhattan involve at least one TLC vehicle. TLC vehicles have specific licensing, insurance, and regulatory requirements that create both opportunities and traps for plaintiffs:
Manhattan is the busiest commercial-delivery zone in the United States. Garbage trucks, FedEx and UPS, Amazon vans, food delivery trucks, construction supply trucks, plumbing and HVAC service vehicles, ConEdison crews, MTA work trucks. Commercial vehicle involvement in a Manhattan accident usually means more substantial available insurance — but also more sophisticated defense.
Some intersections and corridors are recurring problem areas:
Every New York auto policy includes Personal Injury Protection (PIP) coverage that pays medical bills and a portion of lost wages regardless of fault — but you must file the no-fault application within 30 days of the accident or coverage is forfeited.
PIP covers:
– Medical expenses (typically $50,000 minimum, often more on commercial policies)
– 80% of lost wages, capped at $2,000/month
– Up to $25/day for transportation to medical appointments
PIP does NOT cover pain and suffering. To recover for pain and suffering, you must clear the “serious injury threshold” under NY Insurance Law §5102(d).
Read more about NY no-fault and the serious injury threshold →