Your Rights After An Accident in New York
Know your legal right to choose your repair shop To ensure your car is properly repaired after an accident
Your Rights After an Accident in New York
New York law provides specific consumer protections after an auto accident, but those rights are rarely explained clearly during the insurance claim process.
This page explains what insurance companies must do in New York, what they cannot do, and what you should understand before repairs begin.
You Have the Right to Choose the Repair Shop
In New York, you have the right to select the repair shop of your choice. Insurance companies may suggest repair facilities, but they cannot require you to use one.
Choosing your own shop does not cancel coverage, reduce your settlement, or remove warranty protections.
Insurance Companies Cannot Steer Repairs
New York regulations prohibit insurers from pressuring drivers or making misleading statements to influence repair decisions.
Claims that repairs will take longer, cost more, or be lower quality because of your shop choice are about the insurer’s process, not your legal rights.
Initial Repair Estimates Are Often Incomplete
Insurance estimates are commonly written quickly to move the claim forward. They are not final repair plans.
Missing procedures, inspections, and required safety steps are common, especially on photo based or drive by estimates.
Vehicle Safety Systems Must Be Considered
Modern vehicles rely on cameras, sensors, radar, and advanced driver assistance systems to operate safely.
These systems can be affected by even minor accidents and do not always show warning lights when out of calibration.
Need Help Reviewing a New York Estimate
EstiVerify reviews insurance estimates for missing repairs, underwritten procedures, and safety related items before repairs begin.
Related topics: New York Total Loss | New York Diminished Value
Get In Touch
Email: [email protected]
Address
Office: Cincinnati, OH
Assistance Hours
AI Voice Assistant Available 24/7
Phone Number:
(859) 743-3041
EstiVerify
Giving vehicle owners their power back in collision repairs.
© 2026 EstiVerify - All Rights Reserved
