Troy, NY Car Accident Attorneys

Wrecked in a Troy Crash? It Doesn’t Have to Be the End of the Road

You were just heading down River Street or merging off the Collar City Bridge. Then, out of nowhere, impact. Metal crunches, your chest tightens, your heart races. When a car accident strikes in Troy, NY, it doesn’t just bruise your body. It disrupts everything, your job, your finances, your peace of mind.

At Horn Wright, LLP, we get it because we’ve stood beside people like you: a nurse rear-ended near Samaritan Hospital, a dad T-boned outside Prospect Park, a student hit on Hoosick Street. Our car accident attorneys handle the legal mess while you focus on getting back up. Because it’s not just about money, it’s about getting your life back.

We investigate the crash, gather the evidence, deal with stingy insurance adjusters, and prepare your case like it’s going to trial, because sometimes, it does. And when it does, you won’t face it alone.

No-Fault Coverage Is Just the Start, It Won’t Get You All the Way There

New York’s no-fault insurance system is meant to help after a crash. Through your Personal Injury Protection (PIP), you can get up to $50,000 in coverage for medical expenses, lost wages, and basic daily help (Vehicle and Traffic Law § 5102). That’s helpful, at least, at first.

But here’s the truth: no-fault only gets you so far. It doesn’t pay for your pain, your fear, or the impact a broken leg has on your career. If your injury is classified as “serious” under Insurance Law § 5104, a fracture, disfigurement, long-term limitation, you may have the right to sue the at-fault driver for the full compensation you deserve.

That’s where we come in. We look closely at your injuries. We talk to your doctors. We gather the kind of documentation that turns your pain into a provable legal claim. Because partial help isn’t enough, not when your life’s been turned upside down.

Evidence Doesn’t Last Forever, So We Start Right Away

The best time to build your case is immediately after the crash. The scene changes quickly, witnesses move on, and security footage can get erased in days. That’s why our legal team acts fast. We don’t wait for insurance companies to do the right thing, we build your case ourselves.

We collect photos, video footage from local shops or traffic cams, and police reports under Vehicle and Traffic Law § 600. If needed, we pull in crash reconstruction experts who use black box data and road geometry to figure out exactly what happened. Who sped? Who swerved? Who had the right of way?

And we talk to witnesses, fast. The longer you wait, the fuzzier memories become. Our team makes sure your version of the story is backed by hard facts.

Insurers Want a Quick Payout, But You Might Need a Lifetime of Care

Let’s say your car’s in the shop, you’re missing work, and your knee still throbs every morning. Then the phone rings. It’s the insurance adjuster with a settlement offer. They say, “We want to help you move on.” Sounds good, right?

Not always. That first offer might not even cover your ER visit, let alone surgery or physical therapy. Our car accident attorneys see this happen constantly. They want to close your file fast, before you even know how bad things might get.

We slow the process down, on purpose. We wait until your doctors understand the full extent of your injuries. We calculate lost income, long-term needs, and future medical care. When we negotiate with insurers, it’s on your terms, not theirs. If they won’t treat you fairly, we take them to court.

Serious Injuries Deserve Serious Compensation

A sprained wrist might heal with time. But a spinal fracture, a traumatic brain injury, or permanent nerve damage? That’s life-changing. And when your injuries hit that level, New York law allows you to pursue far more than just the basics.

Under Insurance Law § 5104, you can recover for pain and suffering, emotional distress, and loss of enjoyment of life. But only if we prove the seriousness of the injury with expert backing.

That’s why we work with orthopedic surgeons, neurologists, psychologists, and vocational rehab specialists. We gather MRIs, treatment plans, and expert testimony. We even calculate how your career, hobbies, or home life have changed. This isn’t just about medicine. It’s about your ability to live your life the way you used to.

Partly at Fault? That Doesn’t End Your Case

Were you speeding a little? Did you hesitate at that yellow light? Insurers love to suggest that you share blame for the crash. And under New York’s pure comparative negligence system (CPLR § 1411), even if you are partly at fault, you can still recover money. Your payout just gets reduced by your percentage of fault.

So if you were 20% at fault, and your damages are $100,000, you’d still get $80,000. Not ideal—but definitely not nothing.

We fight to keep your fault percentage as low as possible. We analyze skid marks, traffic signals, and impact angles. If there’s a dashcam or phone records that help prove the other driver was distracted or reckless, we get it. Because you shouldn’t lose your recovery just because someone’s trying to blame you for their mistake.

Crashed Into a Government Vehicle? Your Clock Is Ticking

If the other vehicle was a city bus, garbage truck, or DOT vehicle, your case has extra hurdles. You can still sue, but only if you file a Notice of Claim within 90 days (General Municipal Law § 50-e). Miss that deadline, and you’re out of luck.

We handle these cases regularly. We file the notice fast, track down internal government documentation, and file Freedom of Information Law (FOIL) requests to get repair records, route logs, and driver histories. These cases are technical, but we’re ready for them.

You don’t get extra time because you’re up against the government. You just need a team that knows how to move fast.

Real Compensation Means More Than Covering Hospital Bills

Car crashes cost more than you’d think. Sure, the ER visit and x-rays matter. But what about the weeks you missed from work? The Uber rides to PT? The time you spent explaining to your kids why you’re not the same?

New York law lets you recover for:

• Past and future medical treatment
• Lost wages and reduced earning capacity
• Mental anguish and lifestyle disruption
• Property damage and vehicle replacement

We help you gather tax records, pay stubs, medical receipts, therapy bills, and witness statements. Then we calculate everything. Not ballpark estimates, real numbers. Because what you’ve been through deserves to be fully recognized.

Your Questions, Answered, Straight Up

Do I have to go to court?
Not always. Most car accident cases settle. But we prepare like we’re going to trial, so if that’s where things head, you’re already ahead.

How long do I have to file a lawsuit?
Three years from the date of the crash (CPLR § 214). But if the crash involved a city or county vehicle, it’s only 90 days to file notice (GML § 50-e). Don’t wait.

What if the driver who hit me didn’t have insurance?
New York requires your policy to include uninsured motorist coverage (Insurance Law § 3420). We’ll help file that claim and take your insurer to court if they drag their feet.

You Deserve a Law Firm That Sees You, Not Just Your Case

At Horn Wright, LLP, we talk to you like a person, not a problem to solve. Our clients in Troy come from every walk of life, nurses, teachers, laborers, students, and we treat every story with the same care and urgency.

You’ll never feel like just a file in our cabinet. We take time to explain things, call you back when we say we will, and show up when it counts. We meet you where you are, literally and emotionally.

If you want to work with a team recognized across the country for standing up to insurers and delivering real justice, we’re ready to get to work.

Contact our Troy office today. Let our car accident attorneys help you put the pieces back together, with care, skill, and relentless drive.