Any fracture qualifies under New York’s Insurance Law. Death, dismemberment, serious disfigurement, and fetal loss are also eligible. The additional categories that comprise a “serious injury” are more difficult to examine and define:
Lasting impairment of a physical organ, function, or system
Permanent restriction of use of a physical organ
Substantial restriction in the utilization of a biological function or system a medically determined non-permanent injury or impairment that prevents the injured person from performing daily activities.