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How a Lawyer Can Help You with Your Injury Insurance Claim

Seth Harris

Last modified on August 9, 2023

Injury Insurance Claim LawyerLiability insurance exists to protect injury victims and cover the costs associated with their recovery, from medical bills to lost wages and from property damage to pain and suffering. That’s the idea, at least. In reality, insurance companies are for-profit businesses that make their money by collecting premiums and lose it by paying out settlements. That means they have a vested interest in denying claims and nickel-and-diming people when they can least afford it. Without a lawyer by your side, you might struggle to get the full compensation you’re entitled to. So rather than going up against the insurance company yourself, it’s a good idea to consult with an experienced lawyer who knows the stakes and how to prepare a claim on your behalf.

The New York personal injury lawyers with Harris, Keenan & Goldfarb know you have plenty to worry about after an accident. Let us simplify your life by taking care of your claim for you. We can investigate your injury to establish liability, handle the paperwork, negotiate directly with the insurer on your behalf, and threaten legal action if they don’t honor the terms of their contract. Keep reading to learn more about the insurance claims process and how an attorney can help, and contact us today for a consultation about your case.

What Is an Insurance Injury Claim?

When you file an injury claim with an insurance company, you’re asking them to honor their policy. You want them to pay for any injury-related expenses stemming from a covered event, up to the coverage limits and depending on the extent of your expenses. The insurance company then reviews your claim to decide if your injury meets the terms of its policy. If it accepts your claim, it’ll ask you to sign a settlement agreement releasing them from further liability. Then they will cut you a check once you sign. Releasing an insurance company from liability means you agree they are no longer responsible for your injuries. The case is essentially over as soon as you sign the settlement agreement.

What Does ‘Liability’ Mean in an Insurance Claim?

When someone is “liable” for an injury, they are legally responsible for its related costs – tangible costs like medical bills and property damage and more theoretical ones like pain and suffering. For example, a driver who slams into another car after running a red light is liable for the injuries and property damage suffered by the people in the vehicle they hit. Their liability is, in turn, covered by their auto insurance provider.

Liability in many personal injury cases is based on a legal concept called negligence. Someone’s failure to act reasonably to prevent causing harm to others. In other cases, liability could be strictly applied. An example is when manufacturers release dangerous products on the market. In still others, the liable party might have acted deliberately, like when someone commits assault. One of the most important jobs of a personal injury attorney is to identify who acted in a way that caused their client’s injuries.

Who Pays for Your Injuries After an Accident?

Ultimately, the person who pays for your injuries is the person who is legally responsible for them. That is, whoever caused them and, by extension, any insurer they pay for liability coverage. For example, if your arm was broken in a crash another driver caused, you could file a claim against the other driver’s liability policy. If their insurer accepts the claim, it will pay for your injuries up to the coverage limits of their policy. Insurance companies will only accept injury claims if they believe their policyholder is to blame. They will not pay more for a claim than the maximum limits of their policy or the cost of the underlying injuries.

One thing to note about car accidents in New York is the state’s no-fault auto insurance system. All New York drivers must carry Personal Injury Protection (PIP) coverage. They typically have to use it before pursuing a claim against the at-fault driver. We’re happy to explain the details of New York’s no-fault insurance laws and how they apply to your case.

How Harris, Keenan & Goldfarb Can Help with Your Injury Claim

Injury Insurance ClaimIf you were injured and someone else is to blame, you could be entitled to file an injury claim with that person’s insurer. However, doing so can be challenging, especially if you haven’t pursued a similar case. The attorneys with Harris, Keenan & Goldfarb can help by handling all the legal work on your behalf. You have enough going on without the hassle of an insurance claim, and we can help you seek the money you need by:

  • Investigating the accident to determine who is liable for your injuries and if multiple parties share liability for the accident
  • Reviewing any relevant insurance policies, explaining legal terms or concepts you don’t understand, and outlining your options for recovering compensation
  • Using your medical records and other evidence to fully document your physical injuries and other losses related to an accident
  • Filing the necessary paperwork for your injury claim and dealing with the insurance companies on your behalf
  • Negotiating for a settlement that accounts for all your losses, such as medical expenses, repair bills, lost earnings, and pain and suffering
  • Taking your case to court if the liable party or their insurer will not agree to an acceptable settlement

With so much at stake after an accident, you shouldn’t leave the success of your insurance claim to chance. Instead, turn to an experienced attorney for help with your insurance claim. The New York City personal injury attorneys at Harris, Keenan & Goldfarb can handle yours and seek fair compensation for your injuries. Call us today or visit our contact page for a consultation.

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Over $500 Million in Verdicts and Settlements

Our track record showcases over $500 million won for our clients. Each victory underlines our commitment to justice and client care. Explore our impact, case by case.



A Brooklyn jury awarded Mr. Vargas $17.5 million for the City of New York’s violation of his civil rights for failing to provide him medical care while in custody. The jury found that the police officers involved failed to provide the necessary medical treatment and awarded $17.5 million to Mr. Vargas.



Harris Keenan & Goldfarb partners Seth Harris and Sheri Holland obtained a $4,730,398.00 jury verdict on behalf of our client who tripped and fell at a private apartment building in the Bronx, suffering a broken foot that developed a very painful, permanent neurological condition called Reflex Sympathetic Dystrophy (“RSD”).



A Bronx jury awarded John Doe over $12 million for an accident on a construction site. John Doe was working when a piece of scaffold weighing 35 pounds fell, striking John Doe in the lower back. John Doe suffered a herniated disc requiring surgical removal of a portion of the disc and permanent nerve damage.



A Bronx jury awarded $10.5 million to the mother of Malcolm Ferguson, who was wrongfully shot and killed by the New York City Police Department. The police officer, Louis Rivera, also a defendant in the case, was found to have used excessive force in violation of Malcolm Ferguson’s civil rights as protected under the United States Constitution.



A Bronx jury awarded plaintiff William Cardoza $4 million for injuries caused by the use of excessive force during an arrest. During the arrest, Mr. Cardoza was pepper-sprayed and repeatedly hit with a police nightstick. As a result, Mr. Cardoza sustained injuries to his hand and finger.



The firm’s client, a 33-year-old teacher’s assistant, was scalded by an espresso machine that exploded while the defendant’s employee was demonstrating how the machine worked. The client was a customer at the defendant’s coffee shop on the date of the accident and suffered first-degree burns to her right (dominant) hand.



The firm represented the mother- decedent and her infant son. During the decedent’s admission to the defendant hospital, the defendant dispensed anesthesia during an epidural to the decedent in an inadequate manner. The mother-decedent suffered personal injuries and wrongful death due to the defendant’s failure to properly administer epidural anesthesia.



Mr.Brennan fell from approximately 25 feet while working on a construction project. He suffered a shattered bone in his right leg requiring surgery and hardware placement. Mr. Brennan also suffered two fractures in his facial bones, and a dislocated finger requiring surgical repair.



The firm’s client was a child with cerebral palsy who was injured as a result of medical malpractice. The firm’s clients claimed improper management of pregnancy, labor, and delivery resulting in brain damage, and received a Brooklyn personal injury settlement.



The firm’s client, a 63-year-old mentally incompetent man, slipped and fell in his own urine while attempting to walk to the bathroom at the defendant’s senior citizen home. The client fractured his hip and as a result is confined to a wheelchair for the rest of his life. The client claimed that the staff of the home failed to properly care for him, and the jury awarded $1,677,835.



The firm’s client, a 47-year-old male, slipped and fell on a public sidewalk in the Bronx. It had snowed four to five days prior to the date of the accident, and the sidewalk was covered with ice. The client suffered a lumbar fracture and a herniated disc. The jury found the city liable and awarded the client a $2,995,000 personal injury settlement in the Bronx.



A Bronx jury awarded plaintiff Luis Molina $2.61 million for injuries sustained when he fell down a subway station stairway. Mr. Molina was caused to slip and fall as a result of a plastic bag that had blown onto the steps from a street opening. As a result of the fall, Mr. Molina suffered a herniated disc and a tear of his right shoulder’s rotator cuff. The jury found that the NYC Transit Authority was liable for the accident.



A Bronx jury awarded Ms. Colon $2.25 million for a trip and fall accident. Ms. Colon was caused to fall when she moved to the right to allow another pedestrian to pass, and her foot rolled to the outside due to the sidewalk being unlevel with the adjoining grass. The jury found the defendant liable and awarded Ms. Colon $2,253,714.00 for her pain and suffering.



A Brooklyn jury awarded Arvella Floyd $1.9 million for a fractured wrist which required multiple surgeries, including an open-reduction internal fixation and a carpal tunnel release. Ms. Floyd was injured when the hot water knob of the shower fell off after numerous complaints to the superintendent, and scalding water spewed toward her, causing her to
fall and break her wrist.



A Bronx jury awarded plaintiff Juanita Young $1,350,000 for injuries caused by the use of excessive force during an arrest. During the arrest, Ms. Young, who is legally blind, was handcuffed from behind, with her children watching, and taken to the top of the stairs to exit the building. The officer proceeded to push her down the stairs multiple times.

What Our Clients Say About Us

00:47 22 Jun 24
I contacted Burns and Harris, this company which is renamed now, about two years ago about my injury. I even had an in person meeting with Stephen LaRocca.I had to chase him for a year just to sign something, in the end I just gave up. Pretty appalling company and even worse than people have written. I can only imagine the people who haven’t taken the time to write your review. Don’t bother with them.
Cole ColdwaterCole Coldwater
19:36 20 Jun 24
My experience with Harris Keenan and Goldfarb was wonderful. My legal representative, Steven LaRocca with Samantha Walton always made me feel well defended and cared for, in a way that went beyond professional representation and into the realm of caring about me on a personal level. Steven, Samantha and Seth Harris got me a great outcome and I can’t thank them enough!
Elizabeth SantosElizabeth Santos
00:32 20 Jun 24
If I could give them a zero Star I would 0
Jennifer RosarioJennifer Rosario
14:16 05 Jun 24
The best law firm I have ever went with thank you so much
Angelo Del GuercioAngelo Del Guercio
20:03 11 May 24
Horrible people. I lost complete confidence in this firm. Attorneys dragged their feet for 4 years and my mom died before a settlement could be reached. I advised them several times that my mom was sick to put fire under their feet but the effort was to no avail.
david Santiagodavid Santiago
18:05 21 Mar 24
Maria RoqueMaria Roque
20:49 15 Mar 24
Excellent person, very Professional, they assist you in any language, your call is always answered. I recommend you for any case of support you have, your refund is satisfactory. and fast
14:09 02 Mar 24
I am completely satisfied, and recommend Harris Keenan & Goldfarb as Attorneys to represent anyone. Their care for me physically, and overall helped me stay strong in spite of my injuries. Always available to answer questions, and inform.They got me Justice, and achieved a substantial outcome for my case.I am very impressed, and thankful for their outstanding performance on my behalf.I am very pleased, and significantly satisfied with their representation.‐-Sherylon Wilkins
Robert LennonRobert Lennon
15:26 21 Feb 24
Patient and diligence is how I describe the effort of HKG the work was thorough, honest and fair, I have no complaints. Special thanks to attorney Blake and his paralegal Thierry.
Gene Matos (fanboye)Gene Matos (fanboye)
18:48 15 Jan 24
I first crossed paths with Seth Harris when serving jury duty many years ago. He was so professional and personable, that when my mom was seeking legal counsel for medical malpractice, I told her she had to reach out to his firm. We had meetings with a few different firms, but Harris Keenan & Goldfarb was the only firm that did not try to get us to sign paperwork before even meeting. They took the time to listen and understand our situation before we signed anything, and they were transparent and responsive the whole time. I would like to give special thanks to Samantha Walton, Marla Stein, Val Wallace and Seth Harris for helping my mom through this tough time. They were honest and upfront, and even though Seth Harris wasn't personally on the case, he took the time to meet with us and give us his thoughts on it.
Solange IsaacSolange Isaac
17:52 08 Jan 24
I am pleased with the services provided by Ms Sheri on my case. The team at Harris, Keenan, & Goldfarb were very nice and explained everything to me. Everything that I had questions on they answered without frustration and were prompt and knowledgeable.6 years ago I had a slip and fall accident at my employers place of business. I reached out to them because I knew that I was being wrongfully treated. They took care of the case, restored my self confidence, and brought so much peace to my problem riddled life.I can recommend without a shadow of a doubt the services of Harris, Keenan & Goldfarb to anyone who is in need of someone who will have your back!
Brittany DempseyBrittany Dempsey
16:02 08 Jan 24
My mother had an accident with her ankle back in 2019. I immediately contacted Harris, Keenan & Goldfarb on the day of the accident. They were extremely prompt and helpful. They attended to my mother's case beautifully and she's been recovering well. I'd like to thank you for being so diligent, kind and above all professional. I'd recommend this law firm to anyone who are injured and in need of legal assistance. My mother, Andrea, and I thank you for everything.
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Frequently Asked Questions

Common questions that prospective clients have about personal injury claims include:

  • Do I need an attorney?

    When you have suffered an injury, it can be difficult to know what to do next. If the injury was caused by someone else’s negligence, you may be entitled to compensation. However, filing a personal injury claim can be a complex and time-consuming process. An experienced attorney can help you navigate the legal system and fight for the maximum possible compensation.

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