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Why does the insurance company say I don’t need a lawyer?

Insurance companies across the country rely on two factors to make their profits: 1) the consistency of their customers to pay their premiums and 2) that their agents will pay the least amount of compensation to these same customers when they are involved in an accident. So, even though insurance is mandatory in the eyes of the law for citizens of the U.S., it is not the most beneficial.

In 2015, there were 223,141 traffic collisions in New York City between March 2014 and April 2015, and the records show that 25 percent of those resulted in injury or death. In the United States, there were 2.44 million people injured and that figure is up seven percent from 2014.

There is a great difficulty in correctly counting all traffic crashes because many go unreported to the proper authorities. In 2015, the National Highway Traffic Safety Administration estimated there was a total of 6.3 million accidents with damages in the United States with the numbers growing higher every year.

So, the question is not “if” you will be involved in a car crash, it is what should I do in the event I am in one? It is always better to be prepared for a calamity, but they are called “accidents” because they are unexpected. Take the time to accumulate your registration, insurance card and emergency numbers to keep in the glove compartment at all times.

In America, 216 million people hold valid driver’s licenses, and statistics show that one in four will be in an accident involving a drunk driver, and the numbers are even higher for people being involved in their first traffic collision with injuries.

New York City

is a unique city because many people choose to use the public transit system. If you have an auto, you must have auto insurance, and if you collide with someone who doesn’t, you are responsible for all of the bills. If you are involved in a drunk driving accident or another car collision with a driver who has total insurance coverage, national insurance companies typically repay only 60 percent of the damages. The remainder is up to you.

Your first step if you have been injured in an accident is to contact an experienced personal injury attorney. It is recommended that in the case of injury or death that you file a claim with your insurance, but contact an expert personal injury lawyer to assist you with recovery. Insurance companies are committed to paying the least amount possible, so their profits will remain high. Insurance does not cover medical rehabilitation bills, days missed from work or pain and suffering from the accident. Only an personal injury lawyer will aggressively pursue 100 percent of the losses that you deserve.

Here are several important things that you should know in the event of a car crash.

1) Don’t provide any information, especially concerning your injuries, until you have consulted with an personal injury attorney.
2) Keep all bills and records because insurance will typically offer only 60 percent of your losses. An experienced personal injury attorney will pursue to recover all.
3) Don’t accept a quick check from your insurance company; it is their smallest offer because they want your case over quickly. If damages go higher, then they will not be responsible.
4) Take care of yourself first, continuing with all medical care, but retain every bill and document for your lawyer. You may receive a settlement from your insurance company, but your case is not over until your personal injury attorney obtains the compensation you deserve.

If events haven’t occurred in your favor because of no fault of your own, schedule a free consultation with an personal injury lawyer to discuss the details of the case and to learn your rights.

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