Question

Should I talk to any insurance company after a crash in New York?

Pat James Crispi

Answered by:
Pat James Crispi

Located in New York, NY
Keogh Crispi, P.C.

View Profile

Answer

After you have been injured in a motor vehicle accident there is a high likelihood that you will be contacted by insurance companies. These insurance companies, your own included, may state that they are just calling to gather basic facts about what happened. The reality is that the insurance companies train their staff so that they can secure information that may be harmful to a person’s ability to assert a claim without people even understanding the importance of the information they are sharing. Consequently, it is always the best move to have the insurance companies talk to your attorney rather than answering questions yourself.

Who Should Talk To The Insurance Companies For Me?

Experienced attorneys understand the importance of the information the insurance companies are asking for and how it could damage a person’s claim. They can answer the questions from the insurance company without providing any information that could be used to damage your claim and your right to compensation.

Even the most seemingly innocuous conversation can have a dramatic impact on your ability to obtain compensation. Simple questions such as, “how are you feeling today?” or, “what happened?” can provide information that an insurance company can use to undermine your case depending on how it progresses. It is essential that you do everything you can to protect your right to be compensated.

What About My Own Insurance Company? Can I Talk To Them?

Given that New York is one of the states that has no-fault insurance, it is possible that you may be seeking compensation from your own insurer. It is important to remember that all insurance companies are for-profit institutions that are concerned with protecting against paying out compensation. Just because it is your insurance company does not change that fact. The smartest choice is still to have an attorney handle those communications on your behalf.

Important Things To Remember

In the event you do end up in a conversation with an insurance company, here are some of the most important things to remember:

  • The insurance companies are primarily interested in finding out information that will allow them to avoid paying out any compensation to you. So, the less you share the better off you are.
  • Only provide the most basic information such as the date, time and location of the accident.
  • Do not speculate about what happened. You were in an accident, apart from injuries you may have suffered, the shock of the accident alone is often enough to cause people to not remember details properly.
  • Do not provide details beyond the answers to exactly what you were asked. It is all too easy for people to wander into speculation and unnecessary details that could be damaging when they are not succinct with their answers.
  • Remember that even if you feel fine after the accident, you may not in time. Often, the injuries caused by motor vehicle accidents can appear over weeks or months. Telling the insurance company that you are fine may be used to disprove that the accident caused your injuries.

It is extremely important that you are very careful with any communication with insurance companies. That is why we highly recommend that all communications are made through an experienced attorney who understands how to protect your claim.

Disclaimer: The answer is intended to be for informational purposes only. It should not be relied on as legal advice, nor construed as a form of attorney-client relationship.

Other Answers By This Lawyer

Construction Accident

Can I start a lawsuit after a construction accident even if I am getting workers’ compensation in New York?

Depending on the circumstances of your accident, you may be able to pursue compensation through a lawsuit while you are receiving workers’ …

Answered by: Pat James Crispi

Trucking Accidents

Do I have the right to sue both the truck driver and the truck owner after an automobile accident in New York?

There may be many parties who are responsible for contributing to the cause of the automobile accident that left you injured. This is especially the …

Answered by: Pat James Crispi

Other Answers About Motor Vehicle Accidents

Motor Vehicle Accidents

What should I do if I am hit by a delivery vehicle in New York City?

With the uptick in people ordering online, delivery vehicles are everywhere, often rushing and moving very fast.  If you are hit by any type of …

Answered by: Devon Reiff

Motor Vehicle Accidents

What should I do after a car wreck in Tennessee?

If you were involved in an accident, you are probably quite shaken and upset and may have been injured. After a car wreck in Tennessee, there are …

Answered by: Patrick Witherington

Motor Vehicle Accidents

Who is responsible for damages and injuries after an Uber or Lyft accident in Florida?

Since Uber and Lyft have become such common modes of transportation in Florida and throughout the country, accidents involving these ridesharing …

Answered by: Jason Neufeld

Disclaimer:

If you send a lawyer or law firm email through this service, your email will not create an attorney-client relationship and will not necessarily be treated as privileged or confidential. You should not send sensitive or confidential information via this email service. The lawyer or law firm to whom you are writing may not choose to accept you as a client. Moreover, as the Internet is not necessarily a secure environment it is possible that your email sent via the Internet might be intercepted and read by third parties. Super Lawyers will not retain a copy of this message.

Page Generated: 0.88545608520508 sec