How Insurance Affects A Personal Injury Claim Following A Car Accident

September 13, 2013

Most Western New Yorkers are aware that car accidents greatly affect their insurance premiums.  But did you know that insurance may also affect your personal injury claim following a car accident?

This is because insurance adjusters have the authority to come in and perform their own investigations, independent from the investigation that your personal injury lawyer performs.  The insurance adjuster may visit the scene of the accident, talk to witnesses, contact the other driver, take photos, inspect the vehicle for damages, and collect other types of evidence in order to properly assess the amount of damages that resulted from the accident.

If you are suing for personal injuries, your personal injury lawyer’s investigation will be aimed at proving the other driver was at fault and that you suffered a serious injury as a result.  Unfortunately, many insurance adjusters perceive their job as being to minimize their company’s financial exposure regardless of the circumstances, and they may prepare documents that spin the facts to insinuate that you had some fault in causing the accident, your injuries are not that serious, or that they were caused by something aside from actual car accident.

Therefore, it is important to keep in mind that while you technically will be proceeding against the driver who caused the accident, you really will be dealing with his or her insurance company.  If you have any questions as to how insurance can affect your personal injury claim as a result of a car accident, call Steve Boyd Attorneys at 716-400-0000.