How to Deal with Your Insurance Company after a New York Accident
Insurance companies may not always act in the best interests of their policyholders when making claim award decisions. Find out how to obtain appropriate compensation for your injuries.
October 18, 2012
A car accident always seems to occur at the worst possible time. With busy schedules, it is the last thing that anyone wants to deal with. When an injury sidelines an upstate driver or passengers after a serious New York motor vehicle accident, the vehicle owner's insurance company inevitably is involved. New York requires all motorists to purchase minimum liability insurance to cover bodily injury and property damage.There are several things policyholders can do to increase their chances of receiving appropriate compensation for their injuries. Our upstate New York personal injury practice is in a unique position to assist you. We have been handling these matters since automobiles first traveled the roads of the state!
What to Do before an Accident
Of course, no one knows exactly when he or she will be involved in a serious car accident that causes injury. On average, an American driver can expect to be in a motor vehicle accident once every ten years. Since involvement in a car accident is a matter of when, not if, all motorists should understand what their auto insurance policies cover in the event of a crash.
When reviewing an insurance policy, a vehicle owner should pay special attention to the Coverage and Exclusion sections. An insurance agent who sells the policy can also explain coverage. Additionally, policyholders should familiarize themselves with any time limits to submit a signed proof of loss. There may also be a statute of limitations to a challenge an inadequate settlement offer.
Immediately After an Accident
When no serious injuries occur in the crash, the driver should first call 911 to report the crash and request the presence of a police officer. A police report can be important to the claims process.
The next phone call ought to be to the insurance company to start the claims process. At this point, an individual should keep a dated, written record of all communications with their insurance company. This may help resolve future disputes. It can also support an argument for a higher settlement.
Another important thing to do while at the scene of the accident is take pictures of the damage to the car, the scene of the accident and injuries. Photos help insurance companies resolve claims more efficiently.
After vehicle repairs and recovery from injuries, life starts getting back to normal. A policyholder still needs to continue to communicate with the insurance company.
An experienced New York personal injury attorney can assist you in receiving adequate compensation for the property damages you have sustained. If personal injuries occur, an attorney will aggressively pursue all of the benefits to which you are entitled.
Article provided by Trevett, Cristo, Salzer & Andolina P.C
Visit us at www.trevettlaw.com