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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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.
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