7 Insurance Company Tactics to Watch for After a NY Accident

1. The Fast, Lowball Offer

Insurers often extend a quick settlement before you know the full extent of your injuries. Once you accept and sign a release, you generally cannot reopen the claim — even if your condition worsens.

2. The Recorded Statement

Adjusters request recorded statements hoping you'll say something — like 'I'm fine' — that undercuts your claim. You are generally not required to give the at-fault insurer a recorded statement.

3. Blaming You

Because New York uses comparative negligence, every percentage of fault they assign to you reduces what they pay. Expect attempts to shift blame.

4. Delay and Silence

Some carriers simply go quiet, betting that financial pressure will make you settle cheap. Persistent, documented follow-up counters this.

5. Disputing Medical Treatment

Insurers use 'independent' medical exams and peer reviews to argue your treatment was unnecessary or that you've recovered. Consistent care and good records help rebut this.

6. Mining Your Social Media

A single photo can be twisted to suggest you're not really hurt. Keep accident and injury details off social media.

7. Discouraging You From Hiring a Lawyer

Adjusters may suggest a lawyer isn't worth it. Studies and experience suggest represented claimants often recover more, even after fees. A free consultation lets you decide for yourself.