They Owe You, But Will They Pay? Winning Rochester Personal Injury Claims 

Getting hurt because someone else was careless? It’s frustrating. You’re in pain, stuck with medical bills, and wondering if you’ll ever get back to normal. And now, the insurance company is dragging its feet.  

They owe you, but will they actually pay? Our team of experienced personal injury lawyers at Horn Wright, LLP, makes sure they do. You focus on healing—we’ll handle the rest. 

Take the Cash or Make Them Beg? The Choice Is Yours 

When you’re staring at a settlement offer, it’s tempting to grab the check and move on. But is it enough? Is it even close to what you deserve? Let’s break it down. 

How Liability Affects Your Decision 

New York follows a pure comparative negligence rule. That means even if you were partly at fault, you can still get paid—just less.  

Let’s say you’re 20% responsible for the accident. Your total payout drops by 20%. Fair? Maybe. But you’ll need solid proof to fight back when the other side tries to pin more blame on you than you deserve. That’s where our Rochester law firm shines.  

We dig deep, gathering evidence to show exactly what happened—and who’s really responsible. A Rochester personal injury attorney can help you understand your rights and maximize your compensation. 

What Determines How Much You Get? 

Every case is different, but these key factors affect how much money you’ll see: 

• How Badly You’re Hurt – More severe injuries bring higher settlements. If you’ve got a permanent injury, your case is worth even more. 
• Medical Bills – Every doctor’s visit, surgery, and therapy session counts. Even future treatments matter. 
• Lost Wages – If you can’t work, you deserve compensation for every paycheck you’ve missed—and any future earnings you’ll lose. 
• Pain and Suffering – Your physical pain, stress, and emotional toll matter. The bigger the impact on your life, the bigger your potential settlement. 

Insurance Companies Play Dirty—Here’s How to Beat Them 

Insurance companies have one job: pay you as little as possible. They’re not on your side. They’re looking for any excuse to deny or reduce your claim. But once you know their tricks, you can fight back. 

How They Try to Lowball You 

• Fast, Low Offers – They’ll wave some quick cash in front of you, hoping you’ll take it before you know the real cost of your injuries. 
• Blaming You – If they can make it seem like the accident was mostly your fault, they’ll try to pay you less—or nothing at all. 
• Downplaying Your Injuries – They’ll argue you’re “not that hurt.” Some even hire private investigators to watch you and twist your daily activities against you. 
• Dragging It Out – They hope you’ll get desperate and accept whatever they throw your way just to move on. 

Why Having a Lawyer Changes Everything 

When you bring in an attorney, the game changes fast. Insurance companies know they can’t push you around when you’ve got a serious legal team in your corner. At Horn Wright, LLP, we: 

• Handle Every Conversation – No more worrying about what to say or how they’ll twist your words. 
• Gather the Proof You Need – We pull records, talk to witnesses, and bring in experts if needed. 
• Negotiate Like Pros – We push for the maximum payout—and if they won’t budge, we’re ready to take them to court. 

Settlement or Lawsuit—Which One Gets You More? 

Sometimes a quick accident injury claim settlement makes sense. Other times, taking them to court is the only way to get what you truly deserve. Here’s what to consider: 

How Long Does It Take? 

• Settlement – Could take months, but it’s faster than court. 
• Lawsuit – Might take years, but the payout is often bigger. 

Legal Fees and Costs 

• Settling – You’ll pay lawyer fees (usually a percentage of what you win), but it’s straightforward. 
• Going to Court – More expenses, but possibly a much bigger payday at the end. 

Our law firm works on contingency. That means you don’t pay a dime unless we win. 

Taking Them to Court—What’s It Really Like? 

If the insurance company won’t play fair, we take the fight to the courtroom. Here’s what happens: 

What to Expect in Personal Injury Litigation 

1. We File the Case – This officially starts the lawsuit. 
2. Discovery Phase – Both sides gather evidence and take depositions. 
3. Motions & Hearings – Lawyers argue what can (and can’t) be used in court. 
4. Mediation & Negotiation – Most cases settle here, but if not, we head to trial. 
5. Trial Day – We present your case to a judge or jury, and they decide the outcome. 

The Role of Expert Witnesses 

To win big, you need experts who can prove your case. We bring in: 

• Medical Experts – To explain the severity of your injuries. 
• Accident Reconstructionists – To show exactly how the accident happened. 
• Financial Experts – To calculate how much money you’ve lost, and how much you’ll need in the future. 

What If the Insurance Company Won’t Pay Up? 

Some insurance companies flat-out refuse to settle. If that happens, we don’t back down. 

How We Take the Fight to Them 

• File a Personal Injury Lawsuit – This forces them into court. 
• Go Through Mediation – A neutral party tries to help us reach an agreement. 
• Prepare for Trial – If they won’t settle, we let a judge or jury decide. 

We’re Ready to Go the Distance. Are You?

Insurance companies want you to settle for less. We won’t let that happen. Recognized as one of the top legal firms in America, we fight to get you every dollar you deserve.  

Call us today for your free consultation, and let’s get to work.