According to the New York State Insurance law a serious injury includes:
Death
Significant disfigurement
Dismemberment
Fracture
Loss of a fetus
Permanent loss of use of a body organ, member, function or system
Permanent consequential limitation of a body organ or member
Significant limitation of use of a body system or function
Medically determined injury or impairment of a non-permanent nature which prevents the injured person from performing substantially all of the material acts which constitute such person's usual and customary daily activities for not less than 90 days during the 180 days immediately following the occurrence of the injury or impairment