If you are someone who has recently been injured in a car accident, the next step is dealing with the negligent motorist’s insurance company. Oftentimes, this can be very daunting, which is why we have assembled a short list of things to keep in mind when speaking with the opposing party’s insurance adjusters. They are as follows:

• To start, you should understand that insurance companies are businesses, and their primary concern is making money. That is why you should know that insurance company adjusters are not on your side, no matter how nice they may seem. That being said, if they do offer you a settlement, you can expect one that is far lower than what you could potentially receive with the assistance of an experienced attorney. Do not accept your first settlement without speaking with an attorney first.
• Oftentimes, insurance companies will argue that you are not truly injured, or that you are lying about the extent of your injuries, and will, therefore, refuse to pay your medical bills. Do not let this happen. Keep a record of each visit you make to the doctor/hospital, as well as the cost of your medical bills.
• In many instances, insurance adjusters will try and get you to agree to their somewhat ambiguous, general statements. Do not simply “yes” or “no” them. Instead, do not answer any of their questions without the assistance of an experienced New York City personal injury attorney who can advise you as to what you should, and should not say.
• After an accident, it is very common that insurance companies will try and get you to go to their suggested body shop. Do not do this. Oftentimes, they will have already worked out deals with these body shops so that they lowball the estimate of what it would actually cost to fix your vehicle. Instead, go to a trusted body shop in your area. You do not have to follow the insurance company’s suggestion.
• One of the sneakiest tactics insurance companies will use if you deny their first settlement offer is ignore you. They are hoping you simply wait for their response until the statute of limitations passes. The statute of limitations for personal injury claims in New York is, generally, three years. Do not wait any longer than three years to file your claim.
• Finally, do not agree to, or sign, anything without first running it by your New York City personal injury attorney. We are on your side. The insurance companies are not.

CONTACT OUR EXPERIENCED NEW YORK CITY FIRM

Our entire legal team is dedicated to providing the advice you need and the personalized attention you deserve. If you have been injured due to another party’s negligence, call 212-421-0300 or fill out our contact form to schedule a free consultation with a New York City personal injury lawyer. You may be entitled to financial compensation, which can help you on your road to recovery.