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Insurance Claims Dos and Dont’s

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Insurance Claims Dos and Dont’s

Insurance Claims Dos and Dont'sThere is no doubt that a car accident is an extremely emotional event for anyone involved.  If you have been seriously injured, your first priority is to seek medical help immediately.

As soon as you are able, it is time to begin the process of informing your insurance company of the accident.

Contact the Law Offices of Jay S. Knispel Personal Injury Lawyers if you have been injured in a car accident in the New York City area. You can call us at (212) 564 2800.

We can help you file your insurance claim and help to ensure you are fairly compensated for your injuries resulting from the accident.

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DO consult an attorney for legal advice.  The attorneys at the law offices of Jay S Knispel, LLC are experienced in dealing with insurance companies and can help you tremendously.

DO make sure you are aware of what is covered or excluded in your insurance policy.

DO take pictures of your vehicle, the accident site, and your injuries, if possible.  If your phone does not have camera capabilities, you may want to keep a disposable camera in your glove compartment.

DO take notes when you speak with your insurance company.  Be sure to get the names, titles, and phone numbers of each person you speak with. Write down any information given to you from your communication.  If you are able to communicate through emails, be sure to keep all emails from the company.

DO be truthful when communicating with your insurance company.  Failing to be honest or withholding information may result in loss of coverage.

DO find out if any additional insurance policies you hold may have coverage for the circumstances.

DO keep any receipts for anything in connection with the car accident.  This includes all medical bills, car rentals, any other purchases related to the accident.

DO understand the difference in the replacement value of your car and what you owe on the vehicle.


DON’T accept the insurance company’s estimate of your losses at face value.  This is something your attorney can go over with you and help you in determining the validity and fairness of the estimate.

DON’T give any type of recorded or written statement to the insurance company until you understand your policy’s limitations completely and have decided how to proceed. Your attorney will help you determine the best course of action and the extent of your insurance coverage and your rights in the situation.

DON’T sign any type of waiver, release, or settlement until you have discussed the situation in full with your attorney.  The law offices of Jay S Knispel, LLC understands how the insurance game is played and will be able to help you make an informed decision involving the insurance claim.

DON’T accept a check from your insurance company until after you have talked to the attorneys at Jay S Knispel, LLC and are happy with the choices you have made involving your claim.  It is your right to be satisfied with the settlement, and our attorneys will work to ensure you receive fair compensation.

DON’T talk to anyone else about the accident.

DON’T ignore any time limits set by your insurance company.  Consult your attorney for help in getting paperwork filed on time if you are having problems keeping the schedule.

DON’T accept any kind of payment from any other driver at the accident.

DON’T admit to the fault of any kind while at the scene of the accident.  The accident will be investigated and the fault will be determined by that investigation.

DON’T make light of any injuries.

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