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10 Things Insurance Companies Won't Tell You After an Accident

10 Things Insurance Companies Won't Tell You After an Accident

September 1, 2021
Paul Ajlouny

What You Need to Know About Insurance If You Are Involved in a Car Accident

When you are seriously injured in a car accident, you want to believe that the insurance company has your best interests at heart. Auto accident victims often think that an insurance adjuster will be fair, giving them full compensation for their injuries. Unfortunately, insurance companies usually try to get injured parties to settle for less than their claim is worth.

At Ajlouny Injury Law, we represent individuals who have been injured in car accidents throughout New York City. Our experienced attorneys have recovered millions on behalf of auto accident victims and their families. If you have been injured due to another person’s negligence or wrongdoing, contact our office today at (718) 233-3913 for free legal advice. 

  1. You Have the Right to an Attorney.

It may be surprising, but there are lots of things that insurance companies won’t tell you after an accident. Insurance adjusters want to keep payouts low and protect the company from being involved in litigation. Even in serious accidents, most insurance representatives will not inform you that you have a right to an attorney.

It is essential to know that the best way to protect your right to recovery and to obtain the largest settlement possible is by retaining a car accident attorney. They can help negotiate with the insurance company and represent you in litigation. Do not be dissuaded from contacting an attorney. It is your right and can help to ensure that you receive the compensation you deserve after a car accident resulting in serious injury or death.

  1. You Don’t Have to Sign Anything.

Insurance companies will try to get you to sign a settlement agreement that gives away your right to pursue any further legal action. It is imperative that you never sign anything related to your case prior to consulting with an experienced lawyer.

Injured parties may feel pressured into signing something early for fear that they will receive a smaller offer if they wait. This is generally not true, particularly when the injured party is represented by an attorney. Injured parties who hire attorneys are more likely to receive the medical treatment they need to fully recover and receive a larger settlement overall.

  1. You Don’t Have to Talk to Them Immediately.

In the immediate aftermath of a car accident, you may feel overwhelmed. In cases where injuries are life-threatening or catastrophic, you may be unable to work and hospitalized. 

Insurance representatives will rarely show you compassion during these difficult times; they will often try to get you to make a statement as soon as possible.

You do not have to make a statement immediately after your accident, and in most cases, you shouldn’t. Insurance companies will try to use your words to place you at fault for the accident or downplay your injuries. Before making a statement, you should speak with an attorney to help determine how you should proceed with your claim.

  1. You Have the Right to Full and Fair Compensation.

Never settle for less than your case is worth. Despite what an insurance representative may say, you do not have to accept a settlement that does not cover all of your losses. 

After a car accident, you might be entitled to compensation for:

  • Medical bills
  • Future cost of treatment
  • Lost wages
  • Loss of earning capacity
  • Damage to your property or vehicle
  • Pain and suffering

You should never have to pay out of pocket for someone else’s negligence. Despite New York being a no-fault insurance state, you may still have the right to file a personal injury lawsuit. Contact our office to discuss your legal options.

  1. They Are Not on Your Side.

Insurance adjusters are trained to make you believe that they are on your side and will represent you throughout the process. The truth is that they try to do what is in the best interest of the company, not the insured or the injured party. 

The only way to make sure that your legal interests are protected is by hiring an attorney to represent you. Consulting with an attorney is free, and most cases are handled on a contingency fee basis meaning that you pay no fees unless you win.

  1. There May Be Multiple Insurance Policies.

In truck accidents or collisions involving commercial vehicles, there may be multiple insurance policies at play. A lawyer can help investigate all of the involved parties and determine how to move forward with your claim for damages.

  1. You Have the Right to Have Your Medical Bills Covered.

After an auto accident involving injuries, you have the right to have all of your medical bills related to the incident covered. Insurance adjusters may try to deny your injuries, claiming that they were pre-existing or that you did something to exacerbate the damages. 

Injured parties who are unable to afford necessary medical treatment will often skip critical care, believing that it will not be covered by an insurance payout. You should never have to wait on surgery or forego treatment altogether because an insurance company is unwilling to give you a fair settlement. 

However, it is crucial to seek medical treatment immediately and continue care to ensure that you receive the compensation you are entitled to after an accident.

  1. You Have the Right to Sue.

Insurance representatives may try to convince you that you do not have the right to file a personal injury lawsuit after an accident. This is not the case. In cases where there are serious injuries or wrongful death that exceed the no-fault limits, you can file a lawsuit against a responsible party.

Speaking to a lawyer can help you determine your rights and your responsibilities after a car accident. One of the biggest mistakes that injury victims make is contacting a lawyer too late. 

In New York, you only have three (3) years from the date of the accident to file a lawsuit based on personal injury. If your loved one was killed as a result of the accident, you only have two (2) years from the date of their death to file a wrongful death claim. 

  1. They Are Highly Trained and Use High-Pressure Tactics.

Insurance adjusters are highly trained individuals who may use high-pressure tactics to get the result they want. For instance, in order to get you not to pursue litigation, they may try to convince you that a jury would never believe your story or pay for your damages. They may try to delay your claim in order to force you into a settlement.

Unfortunately, these manipulations can result in an injured party signing away their rights or accepting a settlement that fails to cover all of their damages. Do not be fooled into thinking that an insurance company will automatically give you the money you deserve.

  1. Early Settlement Offers Are Traditionally Low.

Insurance adjusters won’t admit it, but early settlement offers are traditionally low. They rarely take into account the true extent of your injuries and usually fail to consider the loss of future earning capacity.

Get Free Legal Advice Today!

If you or a loved one has been injured in a car accident, contact our office today for a free consultation. Your case could be worth millions. Do not be discouraged if your case was rejected by another attorney. At Ajlouny Injury Law, we offer free second opinions.

Get the free legal advice you need after an accident with injuries by calling (718) 233-3913. Let us help you get the compensation you deserve. 

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The Law Office Of Ajlouny Injury Law serves New York City, Queens, Brooklyn, Bronx, Manhattan, Long Island, Nassau County, and Suffolk County.

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