In our last blog post, we detailed some of the crucial information and documents that your attorney will need after you’ve been injured in a car accident to fight to recover compensation on your behalf. In this post, we’ll provide some helpful information on how to deal with your insurance company in the wake of a traffic accident.
After an accident, it’s important to contact your insurance company and report a claim. However, prior to doing so, it’s very important to read through your policy and understand the terms of coverage as well as what is excluded from coverage. When speaking with a claims agent, you should be honest and forthcoming about what happened and especially if you or the other driver were cited by the responding police officer for any traffic violations. If an agent subsequently discovers that you weren’t honest or forthcoming about important information, you may be denied coverage.
While it’s important to be truthful when discussing the details of an accident with an insurance agent, you should never feel pressured to provide a recorded statement as you’re not legally required to do so. Therefore, if you feel overly pressured, uncomfortable or have questions; it’s wise to consult with an attorney.
First and foremost, insurance companies are businesses and therefore have their own motives and agendas when it comes to settling claims. In general, an insurance company will try to settle a claim as quickly as possible. For the injured party, this approach is problematic as the full extent of your injuries, costs associated thereto and long-term impact are often unknown.
When in doubt, if you’ve been injured in a car accident, it’s a good idea to consult with an attorney who handles personal injury matters. An attorney who has helped other accident victims can answer questions, deal with the insurance companies and fight to recover just compensation.
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If you or a loved one have been injured and have questions about your legal options, contact Raphaelson & Levine today. Our personal injury lawyers have helped thousands of New Yorkers understand their next steps following a serious injury. Call (212) 268-3222 or request a free lawyer consultation.