Should You Accept an Auto-Insurance Settlement Offer?

New York Car Accident Lawyer Helping People Who Sustained Injuries In Automobile Accidents

So you’ve been injured in a car accident – now what? Under New York no-fault law, the insurance carrier for the car in which you were traveling is responsible for paying the following expenses regardless of fault:

• Ambulance and hospital bills;
• Physician’s bills;
• Medical equipment and medications;
• Nursing services;
• Transportation expenses; and
• Lost wages

Accordingly, injured New Yorkers may believe they are not entitled to a substantial settlement from an insurance company because many expenses will have been pre-paid, however, this is not necessarily the case.

Nature of Insurance Company Settlements 

Do not be surprised if, shortly after your car accident, insurance adjusters attempt to contact you to “settle” your case for a fraction of what it is worth(Should I Accept An Insurance Company Settlement Offer?). These adjusters will try to induce you to settle before you retain an experienced Personal Injury Lawyer Brooklyn NY, at which point they will be prevented from contacting you directly.

For example, after an auto accident an insurance company may offer you $500 to cover any out-of-pocket medical expenses, such as co-pays or medications, but this is in exchange for waiving any further claims against the policy. At the time the offer is made, you may have no idea about the extent of your injuries and the therapy needed, and the offer may be much lower than what your case is actually worth. Even if you are making a claim under your own “uninsured motorist policy,” in which you are seeking compensation from your own insurance company for your injuries, do not expect a better result from your personal insurance. Your adjuster is not always “on your side.”

Compensation for Pain and Suffering 

Even if your no-fault insurance has covered the majority of your medical expenses, there are a variety of reasons why you may be entitled to additional compensation. You may be compensated for your pain and suffering, which are certain “special damages” that are not covered by insurance, and, if your spouse was injured, you may be compensated for loss of their companionship and services. This compensation may be substantial, so you should never accept an insurance settlement offer before contacting a qualified New York Personal Injury Lawyer to determine the true worth of your case.

Contact an Experienced Brooklyn Personal Injury Attorney Immediately After Car Accident 

Once you retain an Accident Lawyer, an insurance company is not legally allowed to contact you directly. Accordingly, retaining an experienced New York Personal Injury Attorneys may prevent your case from settling for less than it is worth. If you are located in the greater New York City area, do not settle your car accident injury claim without first contacting The Rybak Firm,PLLC. We are your go-to New York Personal Injury Law Firm, so please contact our office today for a free consultation at 718-307-5554.

You don’t pay us anything until we win your case. 

We provide Free Transportation To and From Our Offices.

 

1 www.dfs.ny.gov/insurance/r68/r68_art51.htm

2 www.insurancequotes.org/qa/do-i-need-uninsuredunderinsured-motorists-coverage/

Car Accident Lawyer Near Me

Our offices are located in Brooklyn, NY.  Although our offices are in Brooklyn, NY we serve the whole NYC Metro Area and represent clients in every borough of New York City. Our Accident Lawyers are able to travel to you if you are unable to meet at our offices due to an injury. We also provide free transportation to and from our offices.

Our office address is:

1810 Voorhies Ave

Suite #7

Brooklyn, NY 11235