T-Bone Accident in New York: Fault, Laws, and What to Do (2026)

# T-Bone Accident in New York: What You Need to Know

> **KEY FACTS:**
> – Fault depends on who had the **right of way**
> – File **PIP** with your own insurer ($50K) — no-fault
> – T-bone injuries often meet the **serious injury threshold** due to severity
> – Pure comparative negligence applies to liability claims
> – **90-day** deadline for government entity claims

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## Fault in NY T-Bone Collisions

Fault typically depends on who violated the right of way — running a red light, failing to yield, or entering an intersection against the signal.

### No-Fault and T-Bone Claims
Regardless of fault, PIP covers up to $50,000 in medical expenses. For pain and suffering, your injury must meet the “serious injury” threshold — which T-bone injuries often do, given their severity (fractures, internal injuries, head trauma).

### Government Vehicles in NYC
T-bone accidents involving MTA buses, city vehicles, or NYPD require a **Notice of Claim within 90 days**.

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## What to Do

1. Check for injuries, call 911 — T-bone injuries are often severe
2. Do not move if neck/spine pain
3. Document the intersection — signals, cameras, witnesses
4. File MV-104 within 10 days
5. File PIP claim with your own insurer
6. Seek immediate medical attention

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## Common T-Bone Injuries

Head/brain injuries, broken ribs/pelvis, spinal cord injuries, internal organ damage, arm injuries from the door. T-bone injuries are frequently severe enough to meet NY’s serious injury threshold.

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## Related Guides

– [What to Do After a Car Accident in New York](/new-york/car-accident-guide/)
– [New York Car Accident Laws](/new-york/car-accident-laws/)

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**DISCLAIMER:** This website is not a law firm and does not provide legal advice. This page provides general educational information only. Always consult a licensed attorney in your state for advice specific to your situation. This is not medical advice. If you have been injured, seek immediate medical attention. Last updated: March 2026.