The Dos and Don’ts of Dealing with Insurance Companies in New York Personal Injury Cases

By Steven Miller
Senior Partner

Suffering a personal injury can be a distressing experience, both physically and emotionally. When it comes to seeking compensation for your injuries, dealing with insurance companies can often add another layer of complexity to an already challenging situation. In New York, understanding the dos and don’ts of handling insurance companies in personal injury cases is crucial for maximizing your chances of a successful outcome. This blog aims to provide valuable insights and guidance on navigating this process effectively.


DO Seek Immediate Medical Attention:

Following an accident or injury, prioritize your health and well-being. Seek medical attention promptly, even if your injuries appear minor. Not only will this ensure your well-being, but it will also create an official record of your injuries, which can be vital for your personal injury claim.

DO Document Everything:

Maintain meticulous records of all relevant information related to your personal injury case. This includes medical records, bills, accident reports, correspondence with insurance companies, and any other evidence that supports your claim. Detailed documentation can strengthen your case and provide solid evidence during negotiations or litigation.

DO Consult with an Experienced Personal Injury Attorney:

Navigating the legal complexities of a personal injury claim can be overwhelming. Engaging the services of an experienced personal injury attorney in New York is highly advisable. They possess the expertise to assess the value of your claim, negotiate with insurance companies, and protect your rights throughout the entire process. At Miller, Montiel & Strano, P.C., we have decades of experience you can rely on and the compassion you need during what may be the most difficult time in your life. You can contact us now.

DO Notify Your Insurance Company:

Promptly notify your insurance company about the accident or incident that caused your injury. Cooperate fully with them, providing accurate and truthful information. Failure to inform your insurance company promptly may jeopardize your coverage and ability to file a claim later on.

DO Review Your Insurance Policy:

Thoroughly review your insurance policy to understand your coverage and the terms and conditions relevant to your personal injury claim. Familiarize yourself with the deadlines for filing a claim and any specific requirements you must fulfill. Knowledge of your policy will help you make informed decisions and avoid potential pitfalls.


DON’T Provide Recorded Statements Without Legal Advice:

Insurance adjusters may request recorded statements from you regarding the incident. Avoid providing any statements without first consulting with your personal injury attorney. Insurance companies may use your words against you to undermine your claim, so it’s essential to have legal guidance before engaging in any recorded discussions.

DON’T Accept the First Settlement Offer:

Insurance companies often make lowball settlement offers early in the process to minimize their payouts. It is rarely in your best interest to accept the initial offer without thoroughly evaluating the extent of your injuries, future medical expenses, and other potential damages. Consult with your attorney to determine the fair value of your claim.

DON’T Share Too Much Information:

When communicating with insurance companies, be cautious about sharing excessive personal information. Stick to the facts related to the incident and your injuries. Avoid discussing unrelated matters or speculating on liability. Any information you provide can potentially be used against you, so it’s best to maintain a focused and concise approach.

DON’T Miss Deadlines:

In New York, personal injury claims have specific statutes of limitations within which you must file your lawsuit. Missing these deadlines can result in the forfeiture of your right to seek compensation. Understand and strictly adhere to the relevant timelines to protect your legal rights effectively.

DON’T Settle Without Legal Advice:

Before accepting any settlement offer, consult with your personal injury attorney to assess its fairness and adequacy. An experienced attorney can help you evaluate the offer based on your damages, including medical expenses, lost wages, pain and suffering, and future care needs. They can negotiate on your behalf to secure a more favorable outcome.

Dealing with insurance companies in personal injury cases can be a complex and challenging process. By adhering to the dos and don’ts outlined in this blog, you can navigate this journey more effectively. Remember to prioritize your health, document everything, seek legal advice, and remain cautious during interactions with insurance adjusters. Working with an experienced personal injury attorney will provide you with the guidance and representation necessary to protect your rights and pursue fair compensation for your injuries.

About the Author
Steven Miller is a skilled Personal Injury attorney based in Garden City, NY. Steven has experience in a variety of practice areas, including personal injury atttorney. If you have questions about this article, contact Steven today.