It's frustrating to be injured by someone else's negligence or carelessness. Your life can feel like it's ground to a halt as you deal with medical treatments and hospitalization (and the huge bills that come with that), the loss of hours at work, and disruption to family life. The worst case is the loss of a loved one.
Millions of people ride the subway in New York City. While a serious injury on MTA trains or platforms isn't likely to happen to you or a member of your family, it is a possibility.