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Your Own Insurance Company
After a car crash or other personal injury, most insurance companies require policyholders to report the incident. If your policy has such a requirement, you must reach out to the insurance company.
However many car crash and other personal injury victims could have head injuries. Even a fender-bender car crash could cause an mTBI (moderate traumatic brain injury), or a concussion. People with head injuries aren’t thinking clearly. Making matters worse, since adrenaline masks their pain, they often don’t realize how badly they’re hurt.
So, keep conversations with insurance as brief as possible. At most, the insurance company requires a name, rank, and serial number report, not a dissertation. If your insurance company has a web portal that allows you to report accidents online, use it. If you must call an adjuster, keep this conversation as brief as possible.
If the adjuster presses you for information, say you aren’t feeling well and your personal injury lawyer will fill in the details later.
The Other Insurance Company
Tips for dealing with the other party’s insurance company are even more important.
When New York personal injury lawyers hear “injury,” they think “fair compensation for victims.” When insurance adjusters hear “injury,” they think “liability risk.” They immediately go into damage control mode.
So, if at all possible, never give a statement to the other party’s insurance company. Telephone adjusters seem like affable people, but well-trained telephone adjusters could trick injured victims into making statements which damage their cases later.
This tip may be the hardest one to follow. We naturally want to tell our side of the story. You’ll get a chance to do so, but that chance comes later in the process.
On a related note, always reject insurance company settlement offers. This tip is hard to follow as well. Many insurance adjusters are relentless, and many initial offers are fair. However, this early in the process, determining fairness or unfairness is impossible.
Finding the Right Personal Injury Lawyer
When you look for a lawyer, focus on knowledge, dedication, and accessibility. Experienced lawyers have experience and a successful track record. Dedicated lawyers are primarily focused on the rights of injured victims, personal injury or otherwise.
Search thoroughly but search quickly. Injured victims have a limited amount of time to act. Once the deadline passes, which varies in different cases, victims lose their right to obtain compensation for their injuries.
Esta compensación generalmente incluye dinero por pérdidas económicas, como facturas médicas, y pérdidas no económicas, como dolor y sufrimiento.
Para una consulta gratuita con un abogado con experiencia en lesiones personales en Nueva York, póngase en contacto con Napoli Shkolnik. No cobramos honorarios legales por adelantado en estos asuntos y solo recuperamos una tarifa cuando ganamos su caso.