What injuries qualify as a serious injury in New York State?
Under Section 5102 Subdivision (d) of the Insurance Law of the State of New York a serious injury is defined as: death; dismemberment; significant disfigurement; a fracture; loss of fetus; permanent loss of use of a body organ, member, function or system; permanent consequential limitation of use of a body organ or member; significant limitation of use of a body function or system; or a medically determined injury or impairment of a non-permanent nature which prevents the injured person from performing substantially all of the material acts which constitutes such persons usual and customary daily activities not less than ninety (90) days during the hundred and eighty (180) days immediately following the occurrence of the injury or impairment.
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