Car accident settlement amounts in New York — Long Island lawyer guide

New York Car Accident Settlement Guide

How Much Is the Average Car Accident
Settlement in New York?

Typical New York car-accident settlements range from roughly $5,000 for pure soft-tissue cases to $1,000,000+ for cervical fusion, traumatic brain injury, and catastrophic claims — with most back- and neck-injury cases falling between $30,000 and $150,000. This guide breaks down the typical settlement range for every common injury type and explains the legal framework that drives those numbers in Nassau, Suffolk, and the five boroughs.

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Page updated May 2026 · 24+ years handling New York car-accident cases

Quick Answer: NY Back & Neck Settlement Ranges

Updated May 2026

The average New York car-accident settlement for back-and-neck injuries typically falls between $30,000 and $300,000, depending on imaging findings, the level of medical intervention, and the strength of the §5102(d) serious-injury proof. Pure soft-tissue cases without an MRI finding settle in the $5,000–$25,000 range; documented disc herniation or radiculopathy cases run $30,000–$150,000; and surgical cases — discectomy, microdiscectomy, ACDF, or multi-level fusion — routinely settle from $150,000 to $1,000,000+. New York applies pure comparative negligence under CPLR §1411, so any recovery is reduced by the plaintiff’s share of fault, and pain-and-suffering damages require crossing the no-fault threshold under Insurance Law §5102(d).

Past results do not guarantee a similar outcome. These ranges are general information drawn from typical Nassau, Suffolk, and NYC outcomes; every case is fact-specific.

Key Takeaways

What Drives a New York Car Accident Settlement

Most back-and-neck cases settle between $30,000 and $150,000. Pure soft-tissue cases run $5K–$25K; herniation with surgery runs $100K–$300K; cervical fusion runs $150K–$1M+.
Insurance coverage is the single hardest ceiling. New York’s minimum bodily-injury limit is $25,000 per person — a serious case against a minimum-limits driver settles for $25K unless UM/UIM, SUM, or excess coverage applies.
The §5102(d) serious-injury threshold gates pain-and-suffering recovery. Without an MRI finding, quantified range-of-motion deficits, or positive EMG/NCV, the no-fault bar blocks the lawsuit before damages are ever discussed.
CPLR §1411 pure comparative negligence reduces — but does not bar — recovery. A plaintiff found 30% at fault still recovers 70% of damages, even at 99% fault.
Pre-existing degenerative disc disease does not defeat a claim — the aggravation doctrine recognized by the Court of Appeals controls. Pommells v. Perez, 4 NY3d 566 (2005), governs the analysis.
Surgery is the largest single value lever. The same MRI finding that yields $40K with conservative care can yield $300K with discectomy and $750K with multi-level fusion.
Consistent treatment without gaps beats almost every other piece of evidence. A six-week treatment gap is the first thing insurers exploit to argue the injury isn’t serious.

Settlement Ranges by Injury Type

Typical New York Car Accident Settlement Amounts by Injury

The table below reflects typical settlement ranges for common New York car-accident injuries based on outcomes our firm and our peers see in Nassau, Suffolk, and the five boroughs. Every figure assumes liability is reasonably clear and adequate insurance coverage exists; cases with disputed liability, low policy limits, or thin §5102(d) proof commonly settle below the listed band, while cases with strong causation evidence, severe permanence, and high-limits coverage commonly settle above it.

Typical New York car-accident settlement ranges by injury type
Injury Type	Typical Settlement Range	Notes
Soft-tissue / whiplash (no surgery)	$5,000 – $25,000	Cervical/lumbar strain with conservative care only; often resolved through no-fault PIP plus a modest §5102(d) “90/180” recovery.
Whiplash with documented disc herniation	$25,000 – $75,000	MRI-confirmed herniation, range-of-motion deficits documented at each visit; no surgery.
Cervical radiculopathy / pinched nerve (no surgery)	$30,000 – $100,000	Positive EMG/NCV at the symptomatic level, treated with PT and pain management.
Slap tear (shoulder) requiring arthroscopic repair	$75,000 – $200,000	MRI-confirmed superior labrum anterior-posterior tear, arthroscopic SLAP repair, residual range-of-motion loss.
Disc herniation treated with epidural steroid injections	$40,000 – $150,000	Lumbar or cervical herniation managed conservatively with one or more ESIs; no spinal surgery.
Disc herniation requiring discectomy / microdiscectomy	$100,000 – $300,000	Failed conservative care, surgical decompression of the nerve root; permanent restrictions documented.
Cervical fusion — single-level ACDF	$150,000 – $500,000	Anterior cervical discectomy and fusion at one level with hardware; permanent loss of motion at the operated segment.
Cervical fusion — multi-level	$250,000 – $1,000,000+	Two- or three-level fusion, often with radiculopathy or myelopathy; adjacent-segment disease risk priced into the demand.
Spinal stenosis aggravated by the accident	$75,000 – $300,000	Asymptomatic stenosis converted to symptomatic — value depends on age, pre-accident function, and whether surgery is recommended.
Pinched nerve / radiculopathy without surgery	$30,000 – $100,000	Persistent radicular pain treated with PT, ESIs, and time; recovery turns on objective limitation evidence.
Degenerative disc disease aggravation	$50,000 – $200,000	Pre-existing DDD made symptomatic — the Pommells v. Perez line of cases governs.
Traumatic brain injury / concussion (mild TBI)	$100,000 – $1,000,000+	Persistent post-concussive symptoms, neuropsychological testing, vocational impact; severe TBI cases run far higher.
Catastrophic — paralysis, polytrauma, wrongful death	$1,000,000 – $10,000,000+	Spinal cord injury, paraplegia/quadriplegia, severe TBI, or death — typically limited by available coverage (UM/UIM + bodily injury).

Past results do not guarantee a similar outcome. These ranges are typical, not predictive. New York applies pure comparative negligence under CPLR §1411, so any recovery is reduced by the plaintiff’s share of fault. Settlement values vary based on the specific facts, medical evidence, available coverage, and venue of every case.

What Moves the Number

Factors That Determine New York Car Accident Settlement Value

1. Available Insurance Coverage

Insurance coverage is the single hardest ceiling on settlement value in a New York car-accident case. New York’s mandatory minimum bodily-injury limit is $25,000 per person and $50,000 per accident, and an enormous percentage of drivers on Long Island carry only the statutory minimum. A surgical case against a minimum-limits driver typically settles at or near the policy limit unless additional sources of recovery exist.

Those additional sources matter enormously. Uninsured and underinsured motorist (UM/UIM) coverage, supplementary underinsured motorist (SUM) coverage, an employer’s commercial auto policy, an excess or umbrella policy, and — in narrow cases — claims against negligent third parties (a tavern that over-served under the Dram Shop Act, a municipality with defective road design, or a vehicle manufacturer in a product-defect case) can multiply available coverage many times over. The first job of any plaintiff’s lawyer is to map every dollar of available coverage before negotiating a number.

2. Pure Comparative Negligence Under CPLR §1411

New York follows pure comparative negligence under CPLR §1411: a plaintiff’s recovery is reduced by their percentage of fault, but the plaintiff can recover even if they are 99% at fault. This is one of the most plaintiff-friendly comparative-fault regimes in the country. Practically, the comparative-negligence allocation becomes a major negotiation lever. An insurer will routinely argue 25–40% comparative fault on facts that should support 0–10%; an experienced attorney pushes back with the police report, witness statements, vehicle damage analysis, and (in serious cases) accident reconstruction expert testimony to keep the plaintiff’s allocated share low.

3. The §5102(d) Serious-Injury Threshold

New York’s no-fault system bars pain-and-suffering recovery unless the injury satisfies one of the categories in Insurance Law §5102(d): a fracture, significant disfigurement, permanent loss of use of a body organ or member, permanent consequential limitation, significant limitation, or the 90/180-day category. The Court of Appeals in Toure v. Avis Rent A Car Systems, Inc., 98 NY2d 345 (2002), confirmed that a herniated disc can satisfy the threshold — but only with objective medical evidence quantifying the limitation, not subjective pain complaints.

In practical terms, the proof package that satisfies the threshold and unlocks pain-and-suffering damages includes: an MRI confirming the injury, range-of-motion measurements (using a goniometer) showing quantified limitation compared to normal values, EMG/NCV studies documenting nerve-root involvement where radiculopathy is present, and a treating physician narrative that ties the imaging and clinical findings to the accident and documents permanence at maximum medical improvement. The strength of that proof package directly determines whether the case settles at the low end or the high end of its range.

4. Liability Strength and Mechanism of Injury

Not all collisions are equal. Rear-end collisions are the strongest liability cases — New York courts apply a near-automatic presumption of negligence against the rear driver. Head-on collisions and clear red-light violations are similarly strong. Contested intersection cases, lane-change disputes, and parking-lot collisions are weaker on liability and frequently produce 30–60% comparative-fault allocations that depress settlement value. The mechanism of injury also matters for medical causation: a high-speed rear-end with substantial vehicle damage corroborates a disc herniation diagnosis in a way that a low-speed parking-lot tap does not. Photographs of vehicle damage, the property-damage repair estimate, and (in serious cases) event-data-recorder downloads from modern vehicles are critical evidence.

5. Pre-Existing Conditions and the Aggravation Doctrine

Pre-existing degenerative findings are nearly universal in adult plaintiffs and are the most common defense to disc-injury cases. The governing law is the aggravation doctrine: an accident that converts an asymptomatic pre-existing condition into a symptomatic one is a compensable injury, and a defendant takes the plaintiff as found. The Court of Appeals in Pommells v. Perez, 4 NY3d 566 (2005), made pre-existing conditions a battleground in nearly every disc case, requiring plaintiffs to put forward objective evidence distinguishing the new injury from background degeneration. The quality of the treating physician’s aggravation testimony — and the documented pre-accident asymptomatic history — frequently determines whether a degenerative-disc case settles for $50,000 or $200,000.

6. Treatment Compliance and Gaps

Gaps in treatment are the most consistently exploited weakness in personal-injury cases. If a plaintiff stops treating for six weeks because their no-fault benefits were cut off, because they could not afford copays, or simply because their pain temporarily improved, the defense will argue at deposition and trial that the gap proves the injury was minor. Consistent treatment — even when slow or frustrating — eliminates the argument. Where gaps are unavoidable (loss of no-fault coverage, financial hardship, COVID-era shutdowns), they should be documented and explained in the treating physician’s records contemporaneously, not reconstructed years later in deposition.

7. Medical Specials vs. Pain-and-Suffering Ratio

Most insurance evaluators apply some version of the multiplier method to value pain and suffering: total economic damages (medical specials plus lost wages) multiplied by a factor of 1.5 to 5 (and sometimes higher for catastrophic cases). The multiplier reflects injury severity, permanence, age, and occupation. Higher medical specials therefore directly drive pain-and-suffering value — which is why insurers fight aggressively over the “reasonableness” of medical bills, the necessity of treatments, and the causal link between specific procedures and the accident. A clean, well-documented medical record with reasonable bills and a credible treating physician narrative produces a substantially higher multiplier than a record full of disputed treatments and shifting diagnoses.

The 50/50 Split

How New York’s No-Fault System Affects Your Settlement

Every New York car-accident case actually has two parallel financial tracks: the no-fault PIP claim and the bodily-injury (pain-and-suffering) claim. They operate under different rules, against different insurers, with different deadlines and different procedural traps. Understanding the split is essential to understanding how a settlement number is built.

No-fault (Personal Injury Protection) coverage pays for the plaintiff’s emergency-room treatment, follow-up medical care, lost wages (80% up to $2,000 per month), and other economic losses up to $50,000 — regardless of who caused the crash. The claim is paid by the plaintiff’s own insurer (or, if a passenger, by the host vehicle’s insurer). The deadlines are short and unforgiving: a no-fault application must be filed within 30 days of the accident, and medical providers must bill within 45 days of treatment. Missing those deadlines forfeits the benefit. No-fault PIP does not pay for pain and suffering and does not require any showing of fault.

The bodily-injury claim is the “real” lawsuit — the lawsuit for pain and suffering, future medical needs above the PIP cap, future lost earning capacity, and the other non-economic damages that drive case value into the six- and seven-figure range. The bodily-injury claim is paid by the at-fault driver’s liability insurer (and, where applicable, by UM/UIM or SUM coverage on the plaintiff’s own policy). It requires proof that the injury satisfies the §5102(d) serious-injury threshold and is brought within the three-year statute of limitations under CPLR §214.

The two tracks interact in practical ways. No-fault PIP almost always exhausts in serious-injury cases, particularly any case involving spinal surgery — the surgical facility fee alone can consume the $50,000 cap. Once PIP is exhausted, the plaintiff’s health insurance, Medicare, or Medicaid picks up the medical bills, and those payors will assert subrogation or lien rights against any settlement. Coordinating the lien resolution at settlement time is one of the higher-stakes parts of any serious case; an unaddressed Medicare lien can claw back six figures from a settlement.

The Battleground in Every Disc Case

The Pre-Existing Condition Wrinkle

Almost every adult plaintiff over the age of 35 has some degree of degenerative disc disease, spinal stenosis, or arthritic change visible on MRI. Insurance carriers and their hired defense radiologists know this — and they will use the imaging findings to argue that the plaintiff’s injury was pre-existing and the accident caused nothing new. This is the defense to nearly every herniation, fusion, spinal stenosis, and SLAP tear case in New York.

The legal answer is the aggravation doctrine: an accident that aggravates a pre-existing condition or converts an asymptomatic condition into a symptomatic one is a compensable injury. The defendant takes the plaintiff as found. This rule is sometimes called the “eggshell plaintiff” doctrine, and New York courts apply it as a black-letter rule across personal-injury cases. A plaintiff with a fragile spine who is rear-ended and now requires surgery does not lose the right to recover merely because a healthier spine would have absorbed the impact without injury.

The Court of Appeals decision in Pommells v. Perez, 4 NY3d 566 (2005), made the pre-existing condition analysis the central battleground in §5102(d) threshold cases. Under Pommells, a plaintiff with pre-existing degenerative findings must put forward objective evidence — through the treating physician — that distinguishes the post-accident injury from the background degeneration. Pre-accident medical records showing no prior treatment or complaints, comparison MRIs from before and after the accident, and a treating physician narrative explaining the mechanism of acute aggravation are the tools that defeat the defense.

Practically, the strength of the aggravation theory determines whether a case settles at the low end or the high end of its range. A herniation case with a clean pre-accident history, prompt post-accident imaging, and a credible treating neurosurgeon often settles at or above the typical band. The same case with a documented prior workers’ compensation claim, gaps in treatment, and a treating physician who cannot credibly articulate the aggravation theory often settles well below it. Building the aggravation record begins on day one of the representation, not at the eve of trial.

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Common Questions

Frequently Asked Questions

Straight answers to the questions Long Island car-accident clients ask most often about settlement values, no-fault, and the §5102(d) threshold.

What is the average settlement for a car accident with back and neck injuries in New York?

Most New York car-accident cases involving documented back and neck injuries settle in the $30,000 to $150,000 range. Pure soft-tissue cases with no MRI findings often resolve through no-fault PIP plus a modest bodily-injury payment between $5,000 and $25,000. Once an MRI confirms a herniation, EMG documents radiculopathy, or the treating physician quantifies a permanent limitation, settlements commonly move into the $50,000 to $200,000 range. Cases that progress to spinal surgery — discectomy or cervical fusion — frequently settle between $150,000 and $1,000,000 depending on the number of levels and the strength of the causation evidence. Every case is fact-specific and these ranges are not guarantees; New York follows pure comparative negligence under CPLR §1411, so the recovery is reduced by the plaintiff’s share of fault.

How much are most car accident settlements in New York?

The majority of New York car-accident settlements fall between $15,000 and $75,000. That band reflects the typical case: a moderate-impact collision, an MRI showing a disc bulge or herniation, three to six months of physical therapy, and a treating physician who can document a §5102(d)-qualifying limitation. Cases with clear liability, severe injuries, and adequate insurance coverage can settle for substantially more — six- and seven-figure outcomes are common in fusion, TBI, and catastrophic-injury cases. Cases with disputed liability, low policy limits, or thin medical proof often resolve at the lower end of the band. The honest answer to “how much is my case worth” always requires reviewing the medical records, the police report, and the available coverage; anyone who quotes a number before reading the file is guessing.

What is the average settlement for spinal stenosis aggravated by a car accident?

Spinal stenosis aggravation cases on Long Island typically settle in the $75,000 to $300,000 range, with outliers above and below depending on the severity of the post-accident symptoms and whether surgery is recommended. The legal theory is the aggravation doctrine recognized by the Court of Appeals: a defendant takes the plaintiff as found, and an accident that converts asymptomatic stenosis into symptomatic stenosis is a compensable injury. The strongest cases involve a documented pre-accident asymptomatic baseline (no prior treatment, no prior imaging showing symptomatic disease), an immediate post-accident onset of radicular symptoms, and a treating neurosurgeon who can credibly distinguish background degenerative changes from the acute symptomatic decompensation caused by the collision. Cases that progress to decompression or fusion surgery often move into the $300,000 to $750,000+ range.

What is the average settlement for a cervical fusion after a car accident?

Single-level ACDF (anterior cervical discectomy and fusion) cases on Long Island typically settle between $150,000 and $500,000. Multi-level fusion cases, posterior cervical fusion cases, and cases involving cervical myelopathy or hardware failure routinely settle between $250,000 and $1,000,000 or more. The drivers of value are: the number of levels fused, the presence of myelopathy versus pure radiculopathy, the plaintiff’s age and occupation, the documented adjacent-segment disease risk over the plaintiff’s remaining lifespan, and the strength of the causation expert testimony rebutting the insurer’s pre-existing degenerative disc disease defense. Settlement value also depends heavily on available coverage — a strong fusion case against a defendant with $25,000 in bodily-injury limits and no UM/UIM coverage will settle near policy limits regardless of medical severity.

What is the average settlement for a slap tear from a car accident?

SLAP tear (superior labrum anterior-posterior tear) cases requiring arthroscopic repair typically settle in the $75,000 to $200,000 range in New York. The case value is driven by MRI confirmation of the labral tear at the symptomatic shoulder, a surgical recommendation from an orthopedic surgeon, documented loss of range of motion, and either completed arthroscopic SLAP repair or a clear surgical plan. Insurers commonly defend these cases by arguing that the tear is degenerative — labral tears are common findings on MRI in patients over 40 — so the strongest cases include a documented mechanism of injury consistent with shoulder impact (the seatbelt or steering wheel), an asymptomatic pre-accident history, and a treating orthopedist who can explain why the imaging findings are acute and traumatic rather than chronic.

What is the average settlement for degenerative disc disease aggravated by a car accident?

Aggravation cases settle in the $50,000 to $200,000 range on average, with higher and lower outliers depending on the symptomatic severity and the quality of the pre-accident baseline. The governing case law is the line beginning with Pommells v. Perez, 4 NY3d 566 (2005), which makes pre-existing degenerative findings a battleground in nearly every disc-injury case. A pre-existing degenerative spine does not bar recovery, but the plaintiff must put forward objective evidence that the accident caused new injury or aggravated the prior condition. The defense expert will compare pre- and post-accident MRIs and opine that the findings are chronic; the plaintiff’s treating physician must counter with the aggravation theory, the symptomatic history, and the mechanism of injury. Cases where the aggravation theory is well-documented frequently settle near or above the soft-tissue baseline; cases where it is not often settle for far less.

How long does it take to settle a car accident case in New York?

Most New York car-accident cases settle between 12 and 24 months from the date of the accident. Simple cases with clear liability, moderate injuries, and cooperative insurers can resolve in six to nine months. Cases involving disputed liability, severe injuries, surgical intervention, or contested §5102(d) threshold questions typically take two to four years. Cases that proceed through trial often run four to five years from accident to verdict. A core rule: never settle before reaching maximum medical improvement. Settling earlier — particularly in a herniation or fusion case — risks leaving substantial damages on the table, because the full extent of permanent restriction, adjacent-segment disease risk, and future surgical needs cannot be properly valued until treatment has stabilized.

Do I need a lawyer for a New York car accident settlement?

For any case involving more than minor property damage and a single ER visit, the honest answer is yes. New York’s no-fault system, the §5102(d) serious-injury threshold, the pure comparative negligence rule, and the procedural minefield of UM/UIM, SUM, and bad-faith failure-to-settle doctrine combine to make even straightforward cases harder than they appear. Insurance adjusters are trained to obtain recorded statements, requests for medical authorizations, and quick releases before a claimant understands the full extent of their injuries. A lawyer working on contingency has financial alignment with the client to push the case to its true value and to walk away from an inadequate offer. The initial consultation in personal-injury cases is universally free and there is no fee unless we recover, so there is no economic reason to navigate a serious car-accident claim alone.

What factors most affect the value of a New York car accident settlement?

In approximate order of weight: (1) the available insurance coverage (a $25,000 bodily-injury policy caps a case at that number unless UM/UIM, SUM, or excess coverage applies); (2) the severity and permanence of the medical injuries, especially whether surgery was required or recommended; (3) the strength of the §5102(d) serious-injury proof — objective imaging, quantified limitation, EMG/NCV; (4) the clarity of liability (a rear-end collision is far stronger than a contested intersection case); (5) the plaintiff’s share of comparative fault under CPLR §1411; (6) the pre-existing condition profile and the quality of the aggravation theory; (7) the plaintiff’s age, occupation, and earning capacity loss; (8) treatment consistency and the absence of significant gaps; and (9) the venue — Nassau, Suffolk, Queens, Kings, Bronx, and New York County juries return different ranges on identical facts.

Does New York tax personal-injury settlements?

Compensation received for physical injury or physical sickness is generally excluded from gross income under Internal Revenue Code §104(a)(2) and is not taxed by New York. Settlement proceeds attributable to lost wages, emotional distress arising from physical injury, and pain and suffering arising from a physical injury are typically not taxable. Punitive damages, post-judgment interest, and any portion of the settlement attributable to non-physical injuries (such as a standalone emotional distress claim with no physical injury) may be taxable. Tax treatment is fact-specific and depends on how the settlement is structured and allocated; a CPA or tax attorney should review any seven-figure settlement before the release is signed. Structured settlements can provide additional tax advantages by spreading payments over time.

What is the average settlement for a pinched nerve (radiculopathy) from a car accident?

Pinched-nerve cases without surgery typically settle between $30,000 and $100,000 in New York. The strongest cases combine a positive EMG/NCV study documenting nerve-root involvement at the symptomatic level, a corresponding MRI finding (disc herniation, foraminal narrowing, or stenosis), consistent treatment with a physiatrist or pain-management physician, and quantified range-of-motion deficits in the treating physician’s notes. Insurers defend these cases by arguing the radiculopathy is subjective, degenerative, or unrelated to the collision. EMG evidence is particularly valuable because it represents an objective electrical measurement that is difficult for defense experts to credibly dismiss. Cases that progress to epidural injections, percutaneous decompression, or open surgery move into substantially higher ranges.

Are punitive damages available in New York car accident cases?

Punitive damages are available in New York car-accident cases only in narrow circumstances. Ordinary negligence — speeding, distracted driving, failing to yield — does not support punitives. The conduct must rise to the level of wanton or reckless disregard for the safety of others, evincing a high degree of moral turpitude. Cases involving drunk driving (particularly with a high BAC or repeat-offender history), street racing, or deliberate vehicular assault can support punitive damages. Critically, most auto-liability insurance policies exclude coverage for punitive damages as against public policy, so even a successful punitive verdict often produces no recovery beyond the defendant’s personal assets. The practical role of a punitive-damages claim in most cases is leverage — it can push compensatory settlement value higher without ever being tried.

Related Resources

Continue Reading: New York Car Accident & Injury Hubs

For deeper coverage of specific injury types and legal frameworks referenced above, see the related practice-area pages and tools below.

Long Island Car Accident Lawyer (Hub)

The main car-accident practice page — no-fault, UM/UIM, liability, and trial work.

Long Island Disc Herniation Lawyer

The DDD defense, EMG evidence, and how to build a §5102(d) record for a herniation case.

Long Island Cervical Fusion Lawyer

ACDF, PCF, and multi-level fusion cases — adjacent-segment disease pricing and life care plans.

Long Island Spinal Stenosis Lawyer

Aggravation doctrine cases — converting asymptomatic stenosis into a recoverable claim.

Long Island Rotator Cuff & SLAP Tear Lawyer

Shoulder injury cases, arthroscopic repair, and the degenerative defense.

Long Island Whiplash Lawyer

Cervical strain claims and how to make a soft-tissue case satisfy the §5102(d) threshold.

Long Island Pain & Suffering Attorney

The multiplier method, per-diem method, and how juries value non-economic damages in NY.

Free NY Settlement Calculator

Run your fact pattern through the multiplier, threshold, and comparative-negligence engine.

New York No-Fault Insurance Law (Encyclopedia)

The full no-fault framework — §5102(d), §5104, and the 30-day application deadline.

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How Much Is the Average Car Accident Settlement in New York?