Dealing with an insurance company is never easy. There are numerous intricacies involved and you may find yourself in a back and forth conversation for which you weren’t prepared. Even more concerning, however, is the fact that they’re not always truthful with you, nor do they tell you everything you need to know.
When you don’t know what to expect, you should make sure you speak with a lawyer about your rights. Before you do that, though, we want to make sure you are able to recognize a few of the things that an insurance company won’t tell you, especially if you are filing a third-party lawsuit for damages beyond the injury threshold.
1. They Don’t Want You to Have Legal Counsel
While an insurance company cannot stop you from having an attorney, they will do whatever they can to earn your trust and make you feel as though things are going smoothly. They may downplay the importance of an attorney, tell you they’re trying to take your money, or play nice to make it seem you’re in good hands.
Keep in mind, legal counsel is advisable to protect you from the insurance company’s actions.
2. Insurance Adjusters are Trained to Protect Profits
Insurance adjusters are there to help in some situations, but they also want to protect their own profits. They are trained to negotiate with you and offer the “insurance company’s best options” when more is available. The insurance adjuster may also say things that are untrue to get a reaction from you and see if you will take their word for it.
3. The Ultimate Goal is to Settle
If the insurance company can settle your case, they are able to avoid the costly and timely process of going to court. However, this settlement hardly ever reaches its maximum amount until you get the help of an attorney to protect and safeguard your rights.
In New York, you must recognize where no-fault laws and the injury threshold come into play. Knowing what kind of claim or lawsuit you are going to go through means speaking with a lawyer who can help you understand the circumstances of your case and your eligibility to meet serious injury threshold requirements.
Our Rochester car accident lawyers at Faraci Lange, LLP work hard to champion your pursuit of compensation. We give you a voice because we know when you suffer harm, you need real results that meet your needs to move forward.
Call our firm at (888) 997-4110 to determine what options you have.