If you’ve been in a commercial vehicle crash in New York, dealing with insurance can be challenging. New York’s no-fault insurance system and rules for commercial vehicles make things more complex. Here’s how to handle communications with insurance companies effectively.
Reporting the crash and getting medical help
After a crash, focus on your health first. Get medical help right away. Make sure to record your injuries. Medical records prove your condition and how it links to the crash. Report the collision quickly to start your claim on time.
Knowing your insurance policy
Review your commercial vehicle insurance policy. Learn what it covers and its limits. In New York, commercial vehicles must have liability insurance, personal injury protection (PIP), and uninsured motorist coverage. Knowing your policy helps you negotiate better with insurance companies.
Talking to insurance companies
Be careful when you talk to insurance companies. Avoid giving recorded statements without consulting a lawyer, as these statements can work against you. Insurance companies often offer less money initially, which may not cover all your costs. Look at these offers closely and consider getting legal advice.
Here are some key points to think about when dealing with insurance companies:
- Document everything: Keep good records of the crash, including photos and what witnesses say.
- Consider legal counsel: Talk to a lawyer about commercial vehicle crashes. They can guide you and help you get fair compensation.
- Evaluate settlement offers: Never take a deal without talking to your lawyer first. Make sure it covers all your costs.
By knowing more and being ready, you can negotiate with insurance companies better after a commercial vehicle crash in New York. If you’re unsure what to do, consider calling a lawyer for help.