Car accidents in Brooklyn are unfortunately common, and the aftermath can be just as overwhelming as the crash itself, especially when dealing with insurance companies. While insurance is meant to protect you, certain mistakes made early in the claims process can significantly limit your recovery or even result in a denied claim. 

At Rubenstein & Rynecki, we’ve represented countless individuals who came to us after unknowingly jeopardizing their case. Here’s what you need to know to avoid common insurance pitfalls and protect your rights after a car accident in Brooklyn.

Do Not Admit Fault at the Scene

Even if you think you may have caused the accident, avoid making any statements that could be interpreted as an admission of fault. This includes apologizing or speculating about what went wrong. Anything you say could later be used by an insurance company to reduce your compensation. It’s best to remain calm, provide only the necessary information, and let law enforcement and insurance adjusters determine liability based on the facts.

Notify Your Insurance Company Promptly

After a crash, it’s crucial to report the incident to your insurance company as soon as possible—ideally within 24 hours. Most insurance policies require prompt notification, and any delay can complicate or invalidate your claim. Be honest and factual, but don’t provide unnecessary details or accept blame. Simply confirm the date, time, location, and that the accident occurred.

Be Cautious With Recorded Statements

One of the most common traps is giving a recorded statement to the other driver’s insurance company without first speaking to a lawyer. These statements are often used to gather information that can weaken your case. You are not legally obligated to provide a recorded statement to the other party’s insurer. Politely decline until you have legal guidance. A car accident lawyer can advise you on what to say and when to speak, protecting your interests from the start.

Do Not Accept the First Settlement Offer

Insurance companies are businesses looking to minimize their losses. It’s common for them to offer quick settlements soon after an accident, often before the full extent of your injuries or damages is known. These initial offers are typically far below what your claim is actually worth. Once you accept a settlement, you usually forfeit the right to seek additional compensation. Always consult a lawyer before agreeing to any payment.

Document Everything Thoroughly

Proper documentation can make or break your claim. At the scene, take clear photographs of all vehicle damage, injuries, road conditions, and traffic signs. Obtain contact information from any witnesses and request a copy of the police report as soon as it’s available. Keep a folder of all paperwork related to the crash, including medical bills, car repair estimates, and communication with insurers. The more evidence you have, the harder it will be for the insurance company to dispute your claim.

Seek Medical Treatment Immediately

Many people avoid medical treatment after an accident, especially if they believe their injuries are minor. This is a mistake. Some injuries—such as whiplash, concussions, or internal damage—may not show symptoms right away. Delaying treatment can hurt your health and your legal claim. Insurance companies often argue that a gap in treatment means your injuries weren’t serious or weren’t caused by the accident. Visiting a doctor immediately helps establish a clear link between the crash and your injuries.

Watch What You Post on Social Media

Insurance companies often monitor social media accounts during an open claim. Something as innocent as a photo of you smiling at a family event or a post about going back to work can be used to argue that your injuries are not as serious as you claim. During this time, avoid posting about your accident, injuries, activities, or anything that could be misinterpreted and used against you.

Why You Should Consult a Brooklyn Car Accident Lawyer

Navigating the insurance claims process on your own can be risky. Insurance companies have experienced adjusters and attorneys working to protect their interests, and you should too. A knowledgeable Brooklyn car accident lawyer can level the playing field.

Key Takeaways

  • Early mistakes can cost you. From admitting fault to accepting a lowball settlement offer, small missteps can have a big impact on your claim. Knowing your rights and taking the right steps immediately after a crash can make all the difference.
  • Insurance companies are not on your side. No matter how friendly an insurance adjuster may seem, their goal is to protect the company’s bottom line. Be wary of quick settlements and pressure tactics.
  • Documentation is your best defense. Photos, witness statements, medical records, and receipts are critical to building a strong case. The more evidence you have, the harder it is for an insurer to deny or reduce your claim.
  • Medical care is essential. Prompt treatment not only protects your health but also creates a medical record that supports your claim. Delays can raise red flags and hurt your case.
  • Legal help is key. The sooner you involve a car accident lawyer, the more protected you are. From the first phone call with your insurer to the final settlement, having an experienced advocate on your side ensures you don’t fall into common traps.

Contact Our Brooklyn Car Accident Lawyers at Rubenstein & Rynecki

If you’ve been involved in a car accident in Brooklyn, don’t leave your financial recovery to chance. Our Brooklyn car accident lawyers at Rubenstein & Rynecki have decades of experience fighting for the rights of injury victims. Let us help you avoid costly insurance mistakes. Call 718-522-1020 or contact us online for a free consultation. Located in Brooklyn, we serve clients in New York City, including Brooklyn, The Bronx, Manhattan, Queens, and Staten Island.