Dealing With Insurance Companies in the Aftermath of a New York Car Accident

After a car accident takes place, there are many different matters that usually need to be taken care of. This is especially so if any injuries are sustained. During this time, dealing with insurance companies can often be difficult, which is why you should continue reading below to learn more about how to handle it.

Insurance Adjusters Are Trained to Negotiate

It is the job of an insurance adjuster to pay out as little as possible in a claim. It is because of this that they will negotiate the amount and tend not to be fair. As a result, they will often try to deny a claim or not recognize its full value. 

Do Not Accept the First Settlement Offer

The first offer that an insurance company gives for settlement is usually unfair. This is because they try to take advantage of those who need money as soon as possible. However, this can short you in the long run, which is why you should fight for the compensation you deserve.

They Will Try to Avoid Paying Medical Expenses

When medical expenses need to be paid after an accident, insurance companies will often try to avoid doing so by claiming you are lying or committing fraud. This can be avoided by keeping thorough documentation from all doctor’s visits as evidence.

You do Not Have to Take Your Car to Their Recommended Body Shop

Insurance companies often recommend a body shop for you to go to to repair your car, but you are not required to go there. When choosing your own shop, be sure to bring the insurance company’s repair estimate for comparison. 

You Can Appeal the Insurance Company’s Offer When it Totals Your Vehicle

When a car’s repair costs 70% or more of its value, the insurance company may “total” it. If they do, they must pay you the car’s fair market value. Make sure you ask to see the car yours was compared to for its price so that you are sure the price is fair. If not, you can appeal. 

Do Not Listen to Any Threats

Insurance companies may try to use extortion techniques to get out of paying a claim. This can be done by paying the policyholder’s claim and sending you a collections letter, asking you to pay it or you can lose your license. In these situations, contact an attorney to know your rights.

Never Sign Anything Without a Lawyer’s Reviewal 

During this time, anything you say to the insurance company can be used against your claim. It is because of this that you should never provide a statement or sign any documents without speaking to an attorney first.

Contact our Firm

The Law Offices of George Poulos is an experienced Workers’ Compensation, personal injury, bankruptcy, and Social Security Disability law firm with offices in Queens and the Bronx. We understand the implications of a serious accident, which is why we take pride in tenaciously representing our clients. If you require strong legal representation, contact our firm today to schedule a free consultation.