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What You Say Can Hurt You: Understanding Your Rights After an Auto Accident

After a car accident, you may be unsure of what to do. You may not know whether you should contact your own insurance company or the other party’s insurer. It can be even more difficult if you or a loved one is injured in the accident. You may be in the hospital or at home trying to recover.

No matter the circumstances of the case, at The Karam Law Office, we can help determine your legal options after a car accident. From the initial consultation to the close of your case, we will work with you one-on-one, helping you to navigate the legal process, deal with the insurance company, and obtain the largest recovery possible.

If you have been involved in a car accident and need legal help, contact our office at (914) 368-7168 for a free consultation.

Your Right to Representation After a Car Accident

Until you are involved in an auto accident, you may not know the proper process for filing a claim and obtaining compensation for your injuries. It is important to know that you have the right to legal representation. 

An insurance company, even your own insurance company, may try to get you to settle your claim for less than it is worth. A car accident lawyer can help ensure that you receive the compensation you deserve after an accident with injuries. They can help you file the claim, review your statement, and negotiate a fair settlement. 

Should I Make a Statement to My Insurance Company?

Car accident victims are often eager to tell their side of the story. However, they may not realize that their statement to the insurance company can be used against them. You should never make a statement to your insurance company or another person’s insurance company without first consulting with an attorney.

Additionally, you should not sign anything such as a release of liability or any other document related to your case without having it reviewed by your attorney. Singing the wrong document could release an at-fault party from liability.

How Should I Talk to My Insurance Company?

Depending on the circumstances of the case, you may need to file a claim with another party’s insurance company or your own. Prior to filing a claim, it is strongly recommended that you speak with an attorney. An attorney can provide guidance on how you should proceed.

If a representative from the insurance company contacts you, it is safe to provide them:

  • Your name and contact information
  • Where and when the accident occurred
  • Information about the other vehicles involved
  • Insurance and contact information of the other party or parties

Stick to the facts of the case and do not speculate or make statements about fault. You should not offer additional information until you have spoken with an attorney.

Things You Should Not Say to Your Insurance Company?

There are several things that you can say that could directly affect your right to compensation. It is critical that you remain calm and only give the insurance company the basic facts until you have discussed your case with an attorney.

When initially speaking with the insurance adjuster, you should not discuss:

  • Details about your injuries or that you believe you were not injured
  • Opinions about fault or liability (Never say “I’m sorry” or admit fault)
  • Damages to your vehicle
  • Unnecessary information about the accident
  • Personal information such as your employment, work schedule, doctor’s appointments, etc.

In addition, you should not make recorded statements. An insurance company will try to get you to settle for the least amount of money possible, and they may use your statement to place you partially to blame for the accident.

Hiring an Attorney After a Car Accident

It is generally in your best interest to retain an attorney as early as possible after an auto accident. At The Karam Law Office, we have recovered millions on behalf of our clients and will fight for you and your family. Contact our office today at (914) 368-7168 for a free, no-obligation consultation. Let us help you hold negligent parties accountable for their wrongdoing.