Don’t Let Insurance Play With Your Buffalo Injury Case

After an accident, you're dealing with pain, medical bills, and a mountain of stress. It’s exhausting. And let’s be real—insurance companies aren’t in a hurry to help you. They want to protect their profits, not your future. 

The personal injury lawyers at Horn Wright, LLP, fight for people like you. We handle the legal headaches so you can focus on healing. You deserve compensation that actually covers your losses—not a lowball check designed to shut you up. 

Let’s go after what’s yours. If you’re looking for a law firm in Buffalo that won’t back down, you’ve come to the right place. Our legal team knows exactly how to take on insurance companies and win. 

That Settlement Check Looks Nice—But Are You Getting Screwed?

The insurance company wants you to take their offer and walk away. But here’s the deal: their first offer is almost never what you truly deserve. Should you take it or push for more? Let’s break it down.

Understanding the Strength of Your Case

Before making any decisions, ask yourself:

• Who’s really at fault? If the other party is clearly responsible, you have more leverage. New York’s comparative negligence laws let you recover damages even if you’re partially at fault.
• How bad are your injuries? A quick hospital visit might not seem like much, but medical bills pile up fast. The average cost of a hospital stay in New York is over $14,000.
• Do you have solid proof? Medical records, accident reports, witness statements—all of these strengthen your claim. A police report from the Buffalo Police Department can be crucial.

Settlement Offers vs. What You Could Win in Court

Insurance companies love to downplay your claim. Here’s what to consider before accepting their offer:

• Does it cover everything? A simple ER visit can cost over $2,000. If you need surgery or long-term rehab, that settlement might not be enough.
• What about the future? A spinal injury could mean lifelong medical care, costing hundreds of thousands.
• Are they paying for your pain? Emotional distress and reduced quality of life matter. New York juries have awarded millions in pain and suffering damages.

Settling is fast, but it’s not always fair. If the numbers don’t add up, you might be better off fighting for more.

The Dirty Secrets Insurance Companies Don’t Want You to Know

Insurance companies are not your friend. They’re not here to help. They exist to make money—and they’ll do whatever it takes to pay you less.

Common Tricks They Use to Undercut Your Claim

• Throwing a lowball offer at you fast. They hope you’re desperate enough to accept it without questioning it
• Delaying the process. They drag things out, hoping you’ll give up or accept less just to move on.
• Blaming you. They might argue that you’re partly at fault—even if the evidence says otherwise. Some even hire private investigators to watch you or monitor your social media.
• Asking for endless paperwork. They demand unnecessary documents just to frustrate you. Many people don’t know they aren’t legally required to give a recorded statement.

Knowing their playbook helps you push back and demand what you truly deserve.

How Insurance Adjusters Decide What to Pay You

• How bad are your injuries? Severe cases—like traumatic brain injuries—can result in settlements of $100,000 to over $1 million.
• What are your medical costs? If your recovery requires surgery, rehab, or long-term care, the real cost could be hundreds of thousands. Burn injuries alone can exceed $1.6 million over a lifetime.
• How much work have you missed? Lost wages are a major factor. If you can’t return to your previous job, you may also be entitled to compensation for future lost earnings.
• Pain and suffering? It’s not just about money—it’s about your quality of life. 

Insurance companies want to pay the least they can get away with. That’s why knowing what your claim is really worth is so important.

Taking a Payout or Fighting Back—What Gets You More Money?

So, do you take the settlement or fight in court? It’s a big decision, and it all comes down to what’s right for you.

Settlements: Quick Cash, but at a Price

Settlements are faster—there’s no denying that. You get your money sooner, avoid the courtroom, and skip the stress of a drawn-out legal battle. 

But there’s a catch: insurance companies rarely offer their best deal upfront. If you settle too soon, you could leave thousands (or even millions) on the table.

Lawsuits: More Money, More Time

Going to court can take months or even years, but the potential payout is usually higher. In New York, the average personal injury lawsuit lasts 1-3 years. If your injuries have long-term consequences, waiting it out could be worth it.

What’s the Right Move for You?

• If you need money fast and the offer covers everything? A settlement might be the way to go.
• If the offer doesn’t even come close to your real damages? Fighting back could mean a much bigger payout in the long run.

Either way, don’t make the mistake of taking the first number they throw at you. If you need personal injury claim representation, get in touch with someone who knows what your claim is really worth.

Don’t Let Them Cheat You—We’ve Got Your Back

Insurance companies count on you settling for less. They hope you don’t know your rights. But you don’t have to play their game. 

Whether you need car crash legal help, a workplace injury attorney, or representation in a medical malpractice lawsuit, Horn Wright, LLP, one of the best law firms in America, is ready to fight for you. 

We stand up for Buffalo residents who deserve real compensation—not whatever scraps the insurance company is willing to throw their way. 

Call our office today for your free consultation and let our Buffalo personal injury attorneys help you get what’s yours.