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Fighting the Insurance Company After a TBI

Home  >  Blog | Law Offices of Jason B. Kessler, PC | New York  >  Fighting the Insurance Company After a TBI

January 25, 2026 | By Law Offices of Jason B. Kessler
Fighting the Insurance Company After a TBI

Traumatic brain injuries (TBIs) can have life-changing consequences, and in New York City, they often result from car accidents, truck collisions, motorcycle crashes, and slip-and-fall incidents caused by someone else’s negligence. The physical, emotional, and financial impact of a TBI can be overwhelming, requiring extensive medical treatment, rehabilitation, and long-term care. Navigating the legal process while focusing on recovery can feel impossible, especially when dealing with insurance companies that often aim to minimize or deny claims.

At the Law Offices of Jason B. Kessler, our experienced attorneys handle every step of your TBI case for you. From gathering valuable evidence and medical documentation to negotiating with insurers or pursuing a lawsuit, we work tirelessly to protect your rights. Our goal is to secure the full compensation you deserve, covering medical expenses, lost income, pain and suffering, and other damages, so you can focus on healing and rebuilding your life.

Contact us for a free case evaluation and legal consultation with a skilled personal injury attorney in New York.

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Key Takeaways: TBIs in the New York City Area

  • Traumatic brain injuries often result from car accidents, truck collisions, motorcycle crashes, and slip-and-fall incidents caused by someone else’s negligence.
  • TBIs can range from concussions to more severe, life-altering injuries, often requiring emergency care, hospitalization, surgery, and long-term rehabilitation.
  • Victims may experience physical, cognitive, and emotional challenges, making recovery a lengthy and complicated process.
  • Prompt medical evaluation and consistent treatment are critical for both health and legal documentation purposes.
  • Evidence such as medical records, accident reports, witness statements, and imaging studies is essential to prove liability and the extent of your injury.
  • Compensation may include medical expenses, rehabilitation costs, lost income, reduced earning capacity, pain and suffering, and other damages related to the injury.
  • Insurance companies often attempt to minimize claims or settle quickly, making it difficult for victims to secure fair compensation.
  • Our experienced TBI attorneys can handle every aspect of your case, from gathering evidence and negotiating with insurance adjusters to filing a lawsuit if necessary.
  • Legal guidance ensures your claim accurately reflects the full impact of your injury and protects your rights throughout the process.
  • Working with our skilled personal injury lawyers increases the likelihood of obtaining the compensation necessary to cover immediate and long-term needs.

Types of Occurrences that Lead to TBIs in and Around New York City

Attorney reviewing denied insurance claim with clients in NYC office, symbolizing legal help after a traumatic brain injury case.

Car Crashes

Car accidents are one of the most common causes of traumatic brain injuries (TBIs) in and around New York City. Negligent drivers who speed, run red lights, or drive distracted can cause collisions that leave victims with serious head injuries. Even a relatively minor crash can result in a TBI if the impact causes the head to strike the steering wheel, dashboard, or window. Victims may experience concussions, internal bleeding, or long-term cognitive impairments as a result.

Truck Accidents

Truck accidents in New York City often result in severe TBIs due to the sheer size and weight of commercial vehicles. Drivers who fail to follow traffic laws, drive while fatigued, or neglect vehicle maintenance can cause catastrophic collisions. When a truck strikes a smaller vehicle, the force of the impact can easily lead to serious head trauma, leaving victims with lasting physical and neurological challenges.

Premises Liability

Slip and fall accidents or other incidents on unsafe property are a common source of TBIs in the city. Negligent property owners may fail to repair broken stairs, maintain sidewalks, or remove hazardous conditions. When someone falls and strikes their head, they can suffer serious brain injuries, including contusions, concussions, or intracranial bleeding. These accidents can occur in residential buildings, stores, restaurants, or public areas.

Motorcycle Accidents

Motorcyclists are particularly vulnerable to TBIs due to minimal protection in the event of a crash. Negligent drivers who fail to check blind spots, speed, or ignore traffic signals can cause accidents that throw a motorcyclist from their bike. Even with a helmet, the impact of a fall or collision can cause serious brain injuries. Riders may face lifelong consequences, including memory loss, difficulty concentrating, and emotional changes.

Medical Treatment for TBIs Resulting from New York City Accidents

Emergency Care

The first step for any traumatic brain injury (TBI) is immediate emergency treatment. Accident victims in New York City often require rapid evaluation at a hospital or trauma center to assess the severity of their injuries. Doctors may perform CT scans or MRIs to detect bleeding, swelling, or skull fractures. In severe cases, emergency surgery may be necessary to relieve pressure on the brain and prevent further damage.

Hospitalization and Monitoring

After initial stabilization, many TBI patients require hospitalization for close observation. Medical staff monitor neurological function, vital signs, and potential complications such as infections or blood clots. During this time, patients may receive medication to manage pain, reduce brain swelling, or prevent seizures. Hospital stays can last from several days to weeks, depending on the injury’s severity.

Rehabilitation Therapy

Rehabilitation is a critical component of recovery for TBI victims. Physical therapy helps restore strength, balance, and coordination, while occupational therapy focuses on relearning daily activities such as dressing, cooking, or driving. Speech and cognitive therapy may also be necessary to improve memory, communication skills, and problem-solving abilities affected by the injury.

Long-Term Care and Support

Some individuals require long-term medical treatment or ongoing care for moderate to severe TBIs. This can include outpatient therapy sessions, regular doctor visits, and specialized programs to address emotional and behavioral changes. In certain cases, patients may need assistive devices, home modifications, or round-the-clock care to maintain independence and safety.

Victims may pursue compensation for their short-term and long-term medical care needs by filing an insurance claim – usually with the at-fault party’s insurer – or a lawsuit in the court system.

How Our Lawyers Can Fight the Insurance Company for You in a New York City TBI Case

Why Insurance Companies Can Be Difficult

Insurance companies often make TBI claims in New York City challenging. Their primary goal is to protect their profits, which can mean offering settlements far below what victims need to cover medical bills, lost income, and long-term care. They may downplay the severity of your injury, question the cause of your accident, or try to shift blame. Some companies even use aggressive tactics, like demanding recorded statements or suggesting early settlement agreements, to limit the amount they have to pay.

How Our TBI Lawyers Advocate for You

At the Law Offices of Jason B. Kessler, our experienced attorneys understand the tactics insurance companies use and know how to respond effectively. We carefully review your case, gather all medical records, accident reports, and witness statements, and document the full extent of your injury. By building a strong, evidence-based claim, we ensure the insurance company cannot ignore the seriousness of your TBI or the financial impact it has on your life.

Negotiating for Fair Compensation

Our team is skilled at negotiating with insurance adjusters to pursue the maximum compensation available. We fight to include not only immediate medical expenses but also ongoing rehabilitation, lost income, emotional suffering, and other long-term costs associated with your injury. We handle all communications with the insurance company, so you don’t have to worry about being pressured into a quick settlement that undervalues your case.

Taking Legal Action When Necessary

If the insurance company refuses to offer a fair settlement, our lawyers are fully prepared to take your case to court. We have extensive experience litigating TBI claims in the New York City area, advocating for our clients at every stage of the legal process. Our goal is to hold negligent parties accountable and pursue the compensation you need to rebuild your life after a serious brain injury.

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Proving a TBI in a New York City Accident Case

Legal evidence showing accident report, brain MRI scans, and documents used to prove a traumatic brain injury case in New York City.

Establishing Negligence

Proving a traumatic brain injury (TBI) case in New York City begins with showing that the at-fault party was negligent. Negligence occurs when someone fails to exercise reasonable care, such as a driver running a red light or a property owner ignoring hazardous conditions. To succeed in a TBI claim, you must demonstrate that the defendant had a duty to act safely, breached that duty, and directly caused your injury.

Demonstrating the Injury

Next, it is essential to prove the existence and severity of your TBI. Medical records, hospital reports, and imaging studies such as CT scans or MRIs are critical evidence. These documents establish the type of brain injury, its impact on your daily life, and the expected course of recovery. Expert medical testimony can also help explain how the injury occurred and the long-term consequences.

Linking the Injury to the Accident

A successful TBI case requires a clear connection between the accident and your injury. Accident reports, witness statements, photographs of the scene, and surveillance footage can help show how the incident caused your TBI. Timely documentation and consistent medical treatment records strengthen this connection, demonstrating that your injury was a direct result of the negligent actions of another party.

Calculating Damages

Finally, you must show the full extent of your damages. Evidence such as medical bills, receipts for rehabilitation, records of lost income, and statements about pain and suffering can all help quantify the financial and emotional impact of your injury.

Recoverable Compensation in New York City TBI Cases

Medical Expenses

One of the most immediate compensations in a traumatic brain injury (TBI) case is coverage for medical expenses. This includes hospital bills, doctor visits, surgeries, medications, and any specialized treatment needed for recovery. Rehabilitation costs, such as physical therapy, occupational therapy, and speech therapy, can also be included. Compensation ensures that victims are not left struggling to pay for necessary care.

Lost Income and Earning Capacity

TBIs can prevent victims from working for weeks, months, or even permanently. Compensation can cover lost income for the time you are unable to work, as well as potential future earnings if your ability to work has been permanently affected. This compensation accounts for the financial impact of your injury on both current and long-term employment opportunities.

Pain and Suffering

Traumatic brain injuries often result in significant physical pain, emotional distress, and lifestyle changes. Compensation for pain and suffering acknowledges the impact of the injury on your daily life, mental health, and overall quality of life. This type of recovery can be more subjective, but it is an important part of a fair settlement.

Additional Expenses

Other compensation may include costs related to home modifications, assistive devices, or ongoing care required due to the injury. Victims may also recover for loss of enjoyment of life, which accounts for the ways a TBI can limit hobbies, social activities, and personal independence.

FAQs: New York City Area TBI Cases

Q: What types of accidents commonly cause TBIs in New York City?

A: TBIs often result from car accidents, truck collisions, motorcycle crashes, and slip-and-fall incidents due to unsafe property conditions. Negligent actions by others are usually the cause.

Q: What medical treatment might I need after a TBI?

A: Treatment can include emergency care, hospitalization, medication, surgeries, and extensive rehabilitation such as physical, occupational, or cognitive therapy. Some patients require long-term care or home support depending on the severity of the injury.

Q: How can compensation help after a TBI?

A: Victims may recover medical expenses, rehabilitation costs, lost income, future earning capacity, pain and suffering, and other related financial and emotional losses. Compensation helps cover both immediate and long-term needs.

Q: Why are insurance companies difficult to deal with?

A: Insurance companies often minimize claims or use aggressive tactics to limit payouts. They may dispute the severity of injuries or delay settlements to reduce compensation.

Q: How can your TBI attorneys help?

A: Our experienced lawyers at the Law Offices of Jason B. Kessler handle every aspect of your case, from gathering evidence and documenting injuries to negotiating with insurance companies or pursuing a lawsuit. We fight to secure the full compensation you deserve and guide you through the legal process so you can focus on recovery.

Consult an Experienced New York TBI Lawyer Today

At the Law Offices of Jason B. Kessler, our aggressive, compassionate, and skilled attorneys can handle every step of your TBI case for you and pursue fair compensation from the insurance company for your losses.

Our knowledgeable TBI attorneys in the New York City area are standing by to help. Contact us to learn your next steps after a TBI accident.

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