5 Things Insurance Companies Don’t Want You To Know After an Accident in New York
5 Things Insurance Companies Don’t Want You To Know After an Accident in New York
By Vincent C. Loiodice, Attorney at Law
After a car accident, slip and fall, or any injury in New York, the insurance company will contact you fast — often within hours. They’ll sound friendly. Helpful. Concerned.
But make no mistake:
Insurance companies are not on your side.
Their job is simple: pay as little as possible on your claim.
Here are the five things they hope you never find out — and how to protect yourself.
1. Insurance Companies Record Everything You Say
Most adjusters sound casual on purpose:
“Just tell me what happened.”
“We just need your statement.”
“This is routine.”
What they don’t tell you is this:
Your statement will be recorded, analyzed, and used to minimize your claim.
Even harmless comments like:
✔ “I’m feeling better today”
✔ “It was partly my fault”
✔ “I didn’t go to the doctor yet”
…can be twisted into reasons to deny or reduce your compensation.
Never give a recorded statement without speaking to a lawyer first.
2. Their First Offer Is Almost Always a Lowball
Insurance companies are trained to:
offer fast cash
pressure you into accepting
settle the claim before injuries fully develop
Why?
Because they know many injuries — especially back, neck, shoulder, knee, and head injuries — get worse over time.
Once you accept their offer, you can’t reopen your case. Ever.
A strong attorney can usually increase the offer dramatically.
3. They Already Know the Value of Your Case
Insurance companies have powerful software that analyzes:
your injury type
your treatment
your lost wages
your medical imaging
your ZIP code
your age
your prior claims
your surgeon’s reputation
They know exactly how much your case is worth — from the moment it’s reported.
But they’ll pretend:
“We still need more information.”
Translation:
They know the value. They just don’t want to pay it.
4. You Don’t Have to Accept the Doctor They Recommend
After an accident, some insurance companies encourage you to see their doctors.
This is a trap.
Insurance doctors are paid by the insurance company. Their reports often say:
“minimal injury”
“no disability”
“no need for further treatment”
You have the right to choose your own doctor — one who treats your actual injuries, not the insurance company’s bottom line.
5. Having a Lawyer Usually Increases Your Settlement
Insurance companies know the truth:
People who hire a lawyer typically get much higher payouts — even after legal fees.
Once you’re represented, the insurance company must:
stop contacting you
stop pressuring you
stop trying to record you
stop lowballing
Your attorney handles everything while you focus on healing.
What Should You Do Next?
If you were injured in New York, protect yourself by:
✔ Getting medical care
✔ Documenting symptoms
✔ Avoiding recorded statements
✔ Not signing anything from insurance
✔ Speaking to an attorney quickly
Insurance companies are trained to defend themselves — you should be too.
⭐ Call Vincent C. Loiodice — Protect Your Rights Today
You don’t have to face the insurance company alone.
📞 212-888-2686
💼 Free consultations available
We Will come to you
you never have to leave your home
FAQ: Insurance Companies After a New York Accident
1. Should I talk to the insurance company after my accident?
Not until you speak with an attorney. Insurance adjusters are trained to get statements that reduce the value of your claim.
2. Do I have to give a recorded statement?
No. You are not required to give a recorded statement to the other driver’s insurance company.
3. Can I still get compensation if I was partially at fault?
Yes. New York is a comparative negligence state, meaning you can still recover money even if you were partly responsible.
4. What if the insurance company denies my claim?
A denial is not the end. Many claims get overturned when an attorney challenges the decision and provides supporting evidence.
5. How long do I have to file a claim in New York?
Most personal injury cases have a 3-year statute of limitations, but claims against the City or government agencies require a Notice of Claim within 90 days.