According to New York Insurance Law § 5102(d), “serious injury” pertains to a personal injury that results in any of the following: Death Dismemberment Significant disfigurement Fracture Loss of a fetus Permanent loss of a body organ, member, function, or system Permanent limitation of a body organ, member, function, or system Significant limitation of use of a body function or system Medically determined injury that prevents the victim from experiencing typical daily activities for at least 90 days within 180 days after the accident