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Top Tips for Dealing With an Insurance Company After a NY Car Accident

An NY car accident can happen in an instant, but the repercussions and recovery could take months. Crucial to your recovery process, particularly necessary medical and financial recovery, is cooperation by the at-fault driver’s insurance company. Yet, many individuals injured in an NY car accident find that dealing with insurance companies is a frustrating part of the process.

Our team at the Law Office David S. Leigh, P.C. provides regular legal representation and counsel to clients up against pushback or demands by an insurance company. Based on our experience with NY car accident cases and other personal injury claims, here are some of our top tips for these interactions.

Have Someone Experienced Review the Policy

Insurance policies applicable to an NY car accident aren’t designed for easy reading. Often, these documents are drafted with complicated legal language and unnecessary sentence structures. There is a legal purpose behind the language and provisions utilized in a car insurance policy, but it also creates confusion for drivers involved in a motor vehicle accident.

Unless you have specific experience in insurance claims and policies, don’t try to tackle this legal language alone. You can have someone you trust in the industry review the documents, or better yet for your NY car accident claim, ask an NY personal injury lawyer to review any relevant documents, policies, and insurance information.

It’s best if you can have someone with experience in the car insurance industry look over the policy before you begin conversations or answer questions from an insurance company. If you aren’t certain what information in the policy is applicable or relevant to your NY car accident claim, you shouldn’t provide an insurance company with any information.

Only Answer the Questions Asked

Even if the insurance company calling is your provider, you want to be cautious answering questions from an insurance adjuster. After an NY car accident, an insurance company has very different goals and objectives than you do. You are focused on getting well, recovering losses, and paying medical bills. You may also be interested in pursuing a personal injury case against the at-fault driver. Any insurance company wants to limit costs, keep expenses to a minimum, and when possible, find a reason an NY car accident isn’t covered by their policy.

One major mistake a driver makes after an NY car accident is giving the insurance company too much information. For example, explaining how the lower back pain experienced after the car accident could be related to an old football injury or previous car accident. Armed with additional information, the insurance company has a better chance of limiting your recover and making negotiations difficult.

If you are uncertain how to answer questions from an insurance company, the best approach is waiting for a from your NY personal injury lawyer.

Don’t Get Your Insurance Company Involved

The only insurance company that needs to be involved in negotiations and discussions after an NY car accident is the one covering the at-fault driver. If the other driver was cited at the accident scene or since named as responsible for the accident, you don’t need to involve your insurance company. Notifying your insurance company of an NY car accident you didn’t cause could add to the complexity of your case or lead to unnecessary increases in your insurance premium.

In general, you want to adopt a strategy put in place by your NY car accident lawyer. Ultimately, your insurance company may need notification of an NY car accident or be helpful in settling a claim, but this is on a case-by-case basis, not a blanket assumption.

Leave Negotiations to Your Car Accident Lawyer

The person in the best position to handle negotiation of a car accident claim is your NY personal injury lawyer. Not only will your NY car accident lawyer keep your best interest in mind during negotiations and settlement proposals, but will also have the best grasp on strategies employed by insurance companies, the approximate outcome for cases similar to yours, and the legal processes required to reach a settlement.

If you have questions about conversations with your insurance company or other aspects of an NY car accident, call us at (212) 843-0907.

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New York City

Law Office of David S. Leigh
11 Broadway suite 615, New York, NY, 10004
New York NY 10004
(212) 843-0907

Meet Our Attorney

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David S. Leigh

David S. Leigh is a New York City Personal Injury Lawyer committed to helping those in the New York Metro area recover and find fair compensation after an accident or injury. 

TESTIMONIALS

David has helped my small business (photography) with several proposals and bid letters. He also took the time to explain the language of each letter. I would definitely use David again for all the legal needs of my business! William F Spencer
William Spencer
William Spencer
21:58 30 Aug 16
I worked with David while at the District Attorney's office. David is very knowledgeable in the law. David has outstanding attention to detail and the critical ability to see the big picture, then find and question the inconsistencies in the reports. This is a fundamental skill that makes a good criminal defense lawyer great. I highly recommend David.
Greg Green
Greg Green
20:27 07 Oct 15
David is a tireless advocate for his clients and a consummate professional with whom I've worked on a variety of legal matters. His character and integrity surely set him apart from many of his contemporaries. As colleague, I wholeheartedly recommend David to anyone seeking counsel in the NYC area.
Hari K. Singh
Hari K. Singh
13:32 05 Oct 15
David is a first-rate trial lawyer. Having had the opportunity to both watch him in trial and personally try a case with him, I can say that I would be glad to have him working with me on a case. His delivery is excellent, as is his ability to connect with a jury.
Bryce Allen
Bryce Allen
21:13 15 Nov 15
Knowledgable and great to work withI can't say enough good things about David. My husband needed his help with language for documents he'd need for his business. David was knowledgeable and told us exactly what we needed to hear. I can't think of anyone else I'd want to work with. The next time we need legal counsel, we're calling David.
Yahaira Castro
Yahaira Castro
14:41 28 Sep 15
I was looking for a personal injury lawyer and a friend of mine referred me to David. David is really smart and also great to work with. He really listens to you, works hard and he knows how to get results.
Lili Grossman
Lili Grossman
17:36 29 Oct 18
When my mother suffered back and shoulder injuries due to a car accident, Mr. Leigh went above and beyond to make sure she was rightfully compensated for her traumatic ordeal. He was tough with the insurance company yet very patient with my older mom, as he navigated her through these complex negotiations. He exemplifies what a personal injury attorney should be and we highly recommend him.
Max Patino
Max Patino
19:02 29 Oct 18
David is a top-notch lawyer who is very diligent in all that he does. He is not only a sharp legal mind, but actually has interpersonal skills that make him a caring advocate for his clients. I have had the privilege of working with David in private law practice and can easily say that few attorneys match him in personability, advocacy, verbal ability, and in-court and deposition strategy.
Samae Rohani
Samae Rohani
01:40 30 Oct 18
I was helping my cousin find an attorney and came across David's firm. We contacted him immediately and scheduled a consultation. He was very thorough and provided us with all the details we needed.
Cassandra
Cassandra
03:27 20 Dec 18
Thoughtful, knowledegable and a great attorney. I needed some legal advice and representation. He was everything you could ask for in a lawyer. David is top notch and I would highly recommend him.
Marisa Osorio
Marisa Osorio
21:24 26 Dec 18
David Leigh is a top notch attorney that I have worked with closely. He has integrity, excellent legal ability, and is able to obtain optimal results for his clients. I recommend him wholeheartedly to anyone looking for the highest level of representation.
Stephanie Plana
Stephanie Plana
22:02 18 Jan 19

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