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Why You Shouldn’t Negotiate with Insurers on Your Own

unhappy woman

After a car accident, you might be worried about your future. As you try to recover from your injuries, medical bills pile up and you might not unable to return to work. Many injured motorists will quickly settle with an insurance company to receive badly-needed compensation.

Unfortunately, insurance carriers do not have your best interests at heart. Instead, they want to settle disputes quickly and for as little money as possible. They are looking out for their bottom line—not yours. If you have been injured in an auto accident, contact a Brooklyn car accident attorney immediately.

You Might Say Something that Can Be Used Against You

One reason not to negotiate with insurers is that they will needle you until you say something they can use as proof that you were at fault for the accident. Generally, you can only receive compensation if the other driver’s negligence contributed to the crash, so insurers are always on the lookout for any admission that you caused the accident.

Insurance claims adjusters can be very sympathetic and might come across as sincere in their desire to help you. However, they will quickly seize on even small admissions like the following:

  • “Yeah, I guess I didn’t look over my shoulder before pulling into that lane.” This is a huge mistake! An insurer will claim your carelessness caused the wreck.
  • “I don’t remember if I looked at my phone while driving.” Another mistake! The insurance carrier will claim you were distracted while driving.

Instead of talking to insurance carriers by yourself, hire an experienced car accident lawyer who can act as a go-between and handle all communications.

You Might Settle for Too Little

Some of our clients underestimate how much their injuries are worth. For example, a mild concussion might sound minor, but it can dramatically impair your ability to work, sleep, and take care of yourself. Instead of guessing how much your injuries are worth, you should consult with a car accident lawyer who can use his expertise to adequately assess the cash value of your injuries.

Remember: once you agree to a settlement with an insurer, you will have to sign a release, promising not to sue them in the future. For this reason, you absolutely must know how much your injuries cost in present and future medical care and present and future lost wages.

You Might Be Afraid to Ask for What You Need

Some clients are embarrassed to even make a claim with the other driver’s insurer. You have no reason to. You are not to blame for the accident. People buy insurance precisely so that injured victims can receive necessary compensation when a driver’s carelessness causes a wreck.

Call a Brooklyn Car Accident Lawyer Today

At the Law Offices of David J. Hernandez & Associates in Brooklyn, we have negotiated with some of the biggest insurance carriers in the state. We have seen every trick in the book and will aggressively fight to maximize your amount of compensation. Call us today for a free consultation and case evaluation at 718-865-3436 or send a message through our online contact sheet.

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