Brown Chiari LLP

04/02/2026

𝐀𝐫𝐞 𝐋𝐚𝐰𝐲𝐞𝐫𝐬 𝐑𝐞𝐚𝐥𝐥𝐲 𝐃𝐫𝐢𝐯𝐢𝐧𝐠 𝐔𝐩 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐂𝐨𝐬𝐭𝐬?
You’ve heard it before: “Lawyers are why insurance is so expensive.”
That talking point comes straight from the insurance industry—but the numbers tell a very different story.

𝐓𝐡𝐞 𝐓𝐫𝐮𝐭𝐡 𝐁𝐞𝐡𝐢𝐧𝐝 𝐭𝐡𝐞 𝐍𝐚𝐫𝐫𝐚𝐭𝐢𝐯𝐞
Across the country, “tort reform” laws have taken away legal rights with the promise that premiums would go down.
But here’s the reality:

𝙏𝙝𝙚𝙧𝙚’𝙨 𝙣𝙚𝙫𝙚𝙧 𝙗𝙚𝙚𝙣 𝙖 𝙜𝙪𝙖𝙧𝙖𝙣𝙩𝙚𝙚𝙙 𝙧𝙚𝙙𝙪𝙘𝙩𝙞𝙤𝙣 𝙞𝙣 𝙞𝙣𝙨𝙪𝙧𝙖𝙣𝙘𝙚 𝙧𝙖𝙩𝙚𝙨 𝙩𝙞𝙚𝙙 𝙩𝙤 𝙩𝙝𝙤𝙨𝙚 𝙡𝙖𝙬𝙨.

𝐓𝐡𝐞 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐜𝐨𝐦𝐩𝐚𝐧𝐢𝐞𝐬 𝐡𝐚𝐯𝐞 𝐧𝐞𝐯𝐞𝐫, 𝐚𝐧𝐝 𝐰𝐢𝐥𝐥 𝐧𝐞𝐯𝐞𝐫, 𝐫𝐞𝐝𝐮𝐜𝐞 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐩𝐫𝐞𝐦𝐢𝐮𝐦𝐬 𝐚𝐬 𝐚 𝐫𝐞𝐬𝐮𝐥𝐭 𝐨𝐟 𝐧𝐞𝐰 𝐥𝐚𝐰𝐬 𝐭𝐡𝐚𝐭 𝙩𝙖𝙠𝙚 𝙖𝙬𝙖𝙮 𝙮𝙤𝙪𝙧 𝙧𝙞𝙜𝙝𝙩𝙨!

𝐒𝐨, 𝐖𝐡𝐚𝐭’𝐬 𝐑𝐞𝐚𝐥𝐥𝐲 𝐆𝐨𝐢𝐧𝐠 𝐎𝐧? 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐜𝐨𝐦𝐩𝐚𝐧𝐢𝐞𝐬 𝐚𝐫𝐞 𝐦𝐚𝐤𝐢𝐧𝐠 𝐑𝐄𝐂𝐎𝐑𝐃 𝐏𝐑𝐎𝐅𝐈𝐓𝐒, 𝐚𝐧𝐝 𝐭𝐡𝐞𝐲 𝐰𝐚𝐧𝐭 𝐭𝐡𝐚𝐭 𝐭𝐨 𝐜𝐨𝐧𝐭𝐢𝐧𝐮𝐞!

Insurance companies collect premiums, invest that money, and when things go wrong—they shift the blame.

But:
• Lawyers don’t set premiums
• Lawyers don’t run insurance companies
• Lawyers don’t control investment decisions

𝐁𝐨𝐭𝐭𝐨𝐦 𝐋𝐢𝐧𝐞

Examples of profit increases of insurance companies (𝟐𝟎𝟐𝟒 → 𝟐𝟎𝟐𝟓):

• $4.38B → $6.8B (+𝟓𝟓%)
• ~$5B → $6.29B (+𝟐𝟔%)
• ~$2.36B → $2.95B (+𝟐𝟓%)
• $5.3B → $12.9B (𝐦𝐨𝐫𝐞 𝐭𝐡𝐚𝐧 +𝟏𝟎𝟎%)
• $4.6B → $10.2B (+𝟏𝟐𝟏%)
• $1.3B → $3.2B (+𝟏𝟒𝟔%)
•$9.2B → $10.31B (+𝟏𝟏.𝟐%)

12/03/2025

Don Chiari and Michael Scinta of BROWN CHIARI are proud to be sponsors of ROSWELL ROCKS CANCER - a great success that raised over $1 Million for cancer research!

08/22/2025

https://www.facebook.com/share/p/1AodCVCzeH/?mibextid=wwXIfr

07/31/2025

https://www.brownchiari.com/sharing-the-road-bicycle-accidents-and-your-rights/

Under New York Law, bicyclists have the same legal rights AND responsibilities as drivers on the roads. Yet despite sharing the same rights, bicyclists are

05/02/2025

DID YOU KNOW…
That there are protections for drivers that must make split second decisions before an accident?

The Emergency Doctrine says that if you are confronted with a sudden and unforeseeable occurrence, which you had nothing to do with causing, your conduct must be judged based upon the fact that you were suddenly confronted with this emergency and had only a fraction of a second to decide what to do. Your conduct must be judged based upon what a reasonable person confronted with such an emergency would do; and not based upon what someone who had the time and the opportunity to analyze their options would do.

There is a catch – you cannot have anything to do with causing the emergency.

Recently, Don Chiari and Michael Scinta of Brown Chiari obtained a $14M settlement for a driver who came upon an abandoned car in the middle of the highway when he made a split-second decision to swerve causing him to hit the back of a vehicle that had improperly stopped on a highway.

Thanks to this doctrine, Brown Chiari’s client was judged under those circumstances and had 0% of the fault.

Having auto accident attorneys that know how to make the law work for you can make all the difference in your case.

BROWN CHIARI
Best Lawyers. Best Results.

That there are protections for drivers that must make split second decisions before an accident?

05/01/2025

DID YOU KNOW...that there are protections for drivers that have to make split second decisions before an accident? The Emergency Doctrine says that if you are confronted with a sudden and unforeseeable occurrence, which you had nothing to do with causing, your conduct must be judged based upon the fact that you were suddenly confronted with this emergency and had only a fraction of a second to decide what to do. Your conduct must be judged based upon what a reasonable person confronted with such an emergency would do; and not based upon what someone who had the time and the opportunity to analyze their options would do.

There is a catch – you cannot have anything to do with causing the emergency. Recently, Don Chiari and Michael Scinta of Brown Chiari obtained a $14M settlement for a driver who came upon an abandoned car in the middle of the highway when he made a split-second decision to swerve causing him to hit the back of a vehicle that had improperly stopped on a highway. Thanks to this doctrine, Brown Chiari’s client was judged under those circumstances and had 0% of the fault. Having auto accident attorneys that know how to make the law work for you can make all the difference in your case.

BROWN CHIARI
Best Lawyers. Best Results.

05/01/2025

DID YOU KNOW...that there are protections for drivers that have to make split second decisions before an accident? The Emergency Doctrine says that if you are confronted with a sudden and unforeseeable occurrence, which you had nothing to do with causing, your conduct must be judged based upon the fact that you were suddenly confronted with this emergency and had only a fraction of a second to decide what to do. Your conduct must be judged based upon what a reasonable person confronted with such an emergency would do; and not based upon what someone who had the time and the opportunity to analyze their options would do.

There is a catch – you cannot have anything to do with causing the emergency. Recently, Don Chiari and Michael Scinta of Brown Chiari obtained a $14M settlement for a driver who came upon an abandoned car in the middle of the highway when he made a split-second decision to swerve causing him to hit the back of a vehicle that had improperly stopped on a highway. Thanks to this doctrine, Brown Chiari’s client was judged under those circumstances and had 0% of the fault. Having auto accident attorneys that know how to make the law work for you can make all the difference in your case.

BROWN CHIARI
Best Lawyers. Best Results.

03/15/2025

TRIAL LAWYERS OF THE YEAR AWARD

Don Chiari, Mike Scinta, and the Brown Chiari trial team have been awarded New York State Trial Lawyers Association’s “Trial Lawyer of the Year” Award by its Western New York Affiliate. The award recognizes outstanding trial work and comes on the heels of the
landmark $100 Million verdict Mr. Chiari and Mr. Scinta obtained in 2024. The verdict was the largest of its kind in United States history. Along with Mr. Chiari and Mr. Scinta, the trial team consisted of Brown Chiari lawyers, Tim Hudson, Brian Hogan, Andrea Conjerti, and Scott Covino.

The presentation of the award included recognition of Mr. Chiari's and Mr. Scinta’s past successes on behalf of injured clients. Notably, Past President, Paul Isaac, referenced the lawyers’ unwavering tenacity over the years. Mr. Isaac emphasized the multi-million-dollar settlement and trial successes in all areas of personal injury law including automobile accidents, construction accidents, slip and falls, nursing home abuse, and injuries caused by products.

According to Mr. Isaac, “this is not something that is easily accomplished time and time again over the years. They have obtained some of the highest recoveries in Western New York and across New York State.”

01/20/2025

Don Chiari, Mike Scinta, and the Brown Chiari trial team have been awarded New YorkState Trial Lawyers Association’s “Trial Lawyer of the Year” Award by its

08/23/2024

The county is on the hook to pay more than $2 million in legal bills to defend itself against the lawsuit related to Richard J. Metcalf Jr.'s death, with about half that cost coming so far this year.

05/01/2024

The jury ruled that damages of $1 million each should be paid by Robert Dee, Matthew Cross, Edward Kawalek, Robert States and Scott Emerling.