Our client, a 53 year old Oneonta, New York resident, was driving on SR 28 in Milford, NY when the defendant turned left in front of her, causing a head –on crash which totally destroyed her vehicle. She was transported via ambulance to AO Fox Hospital in Cooperstown complaining of leg and back injuries. After undergoing right knee arthroscopic surgery approximately 8 months after the accident, she was then faced with many months of physical therapy. It was determined by her doctor that she would probably need a total knee replacement in the future, but he wanted to wait at least five years due to her age. After being out of work for more than six months our client was discharged from her job. This cost her a loss of seniority and benefits, not least of which was her private health insurance. She has unrelated health issues that require expensive medication which now must be paid out of pocket. Finkelstein & Partners was able to document these “special” damages and obtain a settlement for our client that truly reflects her losses, which in this case were much more than physical injury.