Can I Sue a Taxi Company in NYC?

Yes. Under NY's no-fault law, your own PIP coverage pays the first $50,000 of medical bills and lost wages regardless of fault. To sue the taxi company in tort, you must first show your injuries meet the "serious injury" threshold defined in Insurance Law §5102(d) — such as a significant limitation of use, permanent consequential limitation, or 90/180-day disability.

You may have claims against the cab driver, the taxi company or fleet owner, and in some cases the vehicle owner if different from the operator. NYC taxi medallion holders and TLC-licensed bases are required to carry minimum liability coverage, so there is typically insurance backing any judgment.

Insurance Law §5102(d) defines serious injury to include death, dismemberment, significant disfigurement, fracture, permanent loss of use of a body organ or member, permanent consequential limitation, significant limitation of use of a body function or system, or a medically determined injury preventing you from performing substantially all normal daily activities for at least 90 of the 180 days immediately following the accident.

Generally three years from the date of the accident under CPLR §214. However, if the taxi was operated by or affiliated with a government entity (e.g., certain paratransit services), you may need to file a Notice of Claim within 90 days.