Research shows that NYC residents are 41% more liklely than the average American to get into a car accident. Since most people are involved in accidents at least once every 10 years, there is no reason not to know how to best handle the claims process:

  • Review your insurance policy now.  It is crucial that you understand what your policy covers and what it doesn’t.  It is highly recommended that you purchase the highest levels of coverage that you can afford.  
  • Immediately after a crash. If you were not seriously injured, use your cell phone to take pictures of the damage, the scene of the accident, license plates and injuries (if any). Always call 911 and get a police officer to come to the scene. A police report will be helpful with your claim.
  • Report the accident to your insurance company immediately. Most insurance companies will deny a claim if the accident isn’t promptly reported. Be ready to provide them with basic information such as what happened and the names and insurance information of everyone involved.
  • Don’t admit any degree of fault. Insurance companies are more concerned about their bottom line than your well-being. Never admit fault, and don’t discuss the accident in depth with them. Don’t record a statement without consulting your attorney first.
  • Keep records.  Maintain a notebook with all paperwork concerning the case, including the police report, photographs, vehicle repairs, medical records and billing. Keep a log of the dates you spoke with your insurance company, the name of the representative you spoke to, and a summary of what the call was about.
  • Don’t accept their settlement. Don’t readily accept a settlement offer from an insurance company — it is most likely far less than what you are entitled to receive.

The attorneys at Sutton, LLP are experienced with insurance issues. Contact our office as soon as the accident occurs to ensure to make sure that you collect what you deserve.