Here are the top three lies insurance companies may tell you after an accident—and how Koenigsberg & Associates can help ensure you receive the compensation you deserve.
Lie #1: “You Don’t Need a Lawyer to Settle This Claim”
Insurance adjusters often tell claimants they don’t need a lawyer, implying that the claims process is simple and straightforward. They may even say that hiring a lawyer could “complicate” things or delay your payout. However, the reality is that insurance companies prefer claimants to go unrepresented because they’re less likely to understand the true value of their claim and more likely to accept a low settlement offer.
In New York, where laws surrounding car accidents, No-Fault insurance, and personal injury can be complex, having a lawyer is crucial. Adjusters might say, “We’ll take care of you,” or “You’re in good hands,” but without an advocate like Koenigsberg & Associates, you may miss out on compensation for pain and suffering, lost wages, and long-term medical expenses.
Our attorneys help clients understand the full scope of their damages and work tirelessly to maximize their settlement. We negotiate on your behalf, ensuring that insurance companies don’t take advantage of you.
Why This Lie Works: Many people are unfamiliar with the claims process and believe insurance companies will act in good faith. Adjusters use this to their advantage, relying on claimants to trust them without understanding their rights.
How Koenigsberg & Associates Can Help: Our firm has extensive experience dealing with insurance companies, and we know the tactics they use. We handle the complex aspects of your case—from gathering evidence to negotiating a fair settlement—ensuring you receive the compensation you’re entitled to. By working with us, you level the playing field and prevent insurers from minimizing your claim.
Lie #2: “This Is the Best Offer You’ll Get”
Insurance companies often make low initial settlement offers, hoping claimants will accept quickly. If you hesitate or question the amount, they might say, “This is the best offer you’ll get” or “There’s no room for negotiation.” This is rarely true. Initial offers are typically far below the actual value of a claim, especially in cases involving serious injuries or long-term recovery needs.
Insurance companies want you to believe that they are offering a fair deal, even when they’re not. They know that many claimants, especially those dealing with medical bills or lost wages, may be eager for a quick payout. However, accepting the first offer could mean leaving thousands of dollars on the table. In New York, where accident-related expenses can be high, this tactic can result in significant financial loss for victims.
Why This Lie Works: Insurance companies understand that financial stress can lead accident victims to accept low offers. By presenting the offer as “final” or “non-negotiable,” they pressure claimants into quick settlements.
How Koenigsberg & Associates Can Help: Our attorneys are skilled negotiators and understand the true value of car accident claims in New York. We analyze every aspect of your case, including medical expenses, lost wages, pain and suffering, and future financial needs, to ensure that any offer reflects the full extent of your damages. If the insurance company refuses to negotiate, we’re prepared to take your case to court, fighting for the compensation you deserve.
Lie #3: “Your Injuries Aren’t That Serious”
Insurance adjusters may downplay the severity of your injuries, claiming that your medical expenses or treatments aren’t necessary. They might say, “We reviewed your medical records, and it looks like you’re not as seriously injured as you think.” This is often a tactic to reduce the amount they have to pay, as they can argue that your injuries don’t justify a higher settlement.
Many injuries, such as soft tissue damage or whiplash, may not be immediately visible but can lead to long-term complications. Some injuries require ongoing care, rehabilitation, or result in chronic pain that impacts your quality of life. Koenigsberg & Associates understands the potential for delayed symptoms and long-term effects. We work with medical professionals to document your injuries thoroughly, ensuring that all medical needs—both immediate and future—are accounted for in your claim.
Why This Lie Works: Many claimants don’t fully understand the medical aspects of their injuries or assume the insurance company’s assessment is accurate. Adjusters leverage this by downplaying injuries and pressuring victims to accept lower settlements.
How Koenigsberg & Associates Can Help: Our firm works closely with medical experts to provide detailed documentation of your injuries and anticipated future care. We make sure that every aspect of your health is accounted for in your claim, advocating for compensation that reflects both immediate and long-term needs. Our attorneys ensure that the insurer cannot ignore or undervalue your medical conditions.
Understanding Insurance Adjuster Tactics
Insurance adjusters are highly trained professionals who use specific tactics to reduce claims. They may act friendly, even sympathetic, to gain your trust, but their loyalty is to the insurance company. They might use phrases like, “Let’s get this settled quickly,” or “We don’t want to drag this out,” to pressure you into a hasty decision. Adjusters may also try to confuse you with complex policy language or state laws, hoping you’ll defer to their judgment.
At Koenigsberg & Associates, we’ve seen these tactics used on New York City residents time and time again. Our attorneys are familiar with adjuster strategies and know how to counter them. We handle all communication with the insurance company, so you don’t have to worry about being manipulated or misled.
How Koenigsberg & Associates Protects Your Rights
Our firm has been representing New York City accident victims for years, and we’re dedicated to ensuring our clients receive fair treatment from insurance companies. When you work with Koenigsberg & Associates, we take charge of every aspect of your case—from gathering evidence to dealing with adjusters, negotiating a fair settlement, and, if necessary, litigating in court. We stand by your side every step of the way, protecting you from common insurance company tactics and working to secure the maximum compensation possible.
Our attorneys provide personalized guidance tailored to your unique situation, keeping you informed of your rights and options. We understand the pressures accident victims face and are committed to making the claims process as stress-free as possible. By partnering with us, you have a team that prioritizes your well-being and financial recovery.
Frequently Asked Questions
What should I do if the insurance adjuster contacts me directly?
Politely inform the adjuster that you are working with an attorney and direct them to Koenigsberg & Associates. Our team will handle all communications, ensuring that nothing you say can be used to weaken your claim.
How long do I have to respond to a settlement offer?
You generally have time to review a settlement offer, especially if you’re working with an attorney. We recommend consulting Koenigsberg & Associates before accepting any offer to ensure it accurately reflects your damages and future needs.
What if I already accepted a low settlement?
Once you accept a settlement, it is typically final. However, if you believe you were misled or pressured into accepting an unfair amount, contact Koenigsberg & Associates to discuss possible options. We may be able to assist with further legal remedies.
Koenigsberg & Associates Law Offices is Here to Fight
The insurance company’s goal is to pay out as little as possible, often at your expense. Don’t let their tactics prevent you from receiving the compensation you deserve. By recognizing these common lies and partnering with a skilled attorney, you can protect your rights and improve your chances of a fair settlement.
Don’t wait to get the legal help you need. Contact Koenigsberg & Associates today at (718) 690-3132 to schedule your free consultation.
