After being injured in an accident, the hope is that you’ll receive a fair settlement from an insurance company. But winning a settlement isn’t easy.
You should contact a lawyer as soon as possible after an accident. You’re going to have to deal with the insurance claim process. This can be tough. Insurance companies aren’t looking out for your best interest. By having an attorney on your side, you have someone protecting your privacy, explaining your options, and fighting to win the maximum compensation.
Always review your own insurance coverage. This is especially important after a car crash. New York is a no-fault state, and you’re required to carry Personal Injury Protection (PIP) insurance. You should review the benefits that your own coverage provides. You also should review any additional policies you pay for, such as collision, comprehensive, or uninsured/underinsured motorist insurance.
Most insurance companies require prompt notice of an accident or occurrence that would lead to a claim. You’re expected to give notice as soon as is practicable. If you fail to tell your insurer for days or weeks, without a good reason for the delay, it could deny your claim for coverage.
You’ll probably receive a call from the other person’s insurance company. This is common, but you should know how to handle it. The best thing to do is remain calm and direct the insurance adjuster to your attorney.
You don’t want to have a conversation with the insurance company right away. In the hours following a traumatic event, you’re stressed, scared, confused, and possibly in shock. It’s not the time to discuss a claim. Give notice to your insurer, which you might be able to do online or through an app, but don’t try to answer questions or give a statement.
You’re never obligated to communicate with the other person’s insurance company. You can communicate entirely through your insurance company and your lawyer.
If your insurer or the other person’s insurance company asks for a statement regarding the crash, tell them you aren’t prepared to give a statement. Ask for the person’s name, their contact information, and any next steps you should be aware of. You should not provide an impromptu statement over the phone or agree to provide a statement in person. Always talk with your lawyer first.
If an insurance company contacts you right away with questions, it’s reasonable to say, “I’m not prepared to talk about the accident and my injuries yet. I’ll follow up after receiving medical care.” If you plan to get legal advice, you also can say you’ll follow up after speaking with a lawyer.
It’s best to defer an insurance adjuster’s questions to your lawyer. But if you choose to answer any questions, keep your answers brief and factual. When talking with an insurer, remain as objective as possible.
You might receive various forms form the insurance company. Don’t sign anything without talking to a lawyer first. One form might be a medical release. If you signed it and returned it to the insurer, it would give the company access to your full medical history. This is unnecessary. Let us handle getting the appropriate medical records to the insurer. Other forms might be liability waivers or settlement offers.
After talking with your lawyer, you might agree to give a statement over the phone or in person. This interview isn’t an interrogation, but it’s important to prepare. Your attorney will talk with you about the types of questions to expect and how to answer them.
Always stick to the facts and never guess at something. If you don’t remember something, say that. The insurer might ask for the statement to be recorded. You can say no. You’re under no obligation to agree to a recorded interview.
Common questions include:
A common issue after an accident is an insurance claim denial. If you receive a letter saying your claim has been denied, call a lawyer immediately. This might not be the end of your claim. Insurance companies have administrative processes for appealing a denied claim. Also, an attorney can represent you in filing a personal injury lawsuit.
Insurance companies deny first- and third-party claims for many reasons, including:
If you think an insurance company isn’t handling your claim well, call a lawyer right away. Your insurance company has contractual duties to you based on your policy. It also has a legal duty to act in good faith. If your insurance company acts unfairly or unlawfully, a lawyer needs to step in. You might have a claim against the insurer based on a breach of contract for bad faith.
If the other person’s insurer acts unfairly, a lawyer can step in to hold the insurer responsible for its conduct. Filing a personal injury lawsuit often incentivizes an insurer to take your claim seriously and uphold the law.
Insurance company red flags can be: Your insurer not returning phone calls or emails, not fully investigating your claim, asking for the same documents repeatedly, sending you to different adjusters and departments often, quickly denying your claim, or not sending you the agreed-upon payout.
You might think dealing with insurance after an accident should be straightforward. But it rarely is. Insurance companies are looking out for their bottom line. They benefit from being able to deny a claim or limit the payout. It’s best for you to have someone on your side. A personal injury attorney from Hecht, Kleeger & Damashek, P.C., will fight for you to receive the maximum insurance settlement possible for your injuries.
When I spoke to Mr.Noah Reiss he gave me valuable legal advice. Connected the dots who and why. He is a great asset to this firm. Will call him again as a friend. Thank you so much.
Ross Raggio, did an amazing job on my case. The office staff was responsive and very helpful to my questions and concerns. I had a very good experience. I highly recommend this firm.
I had a great lawyer with a great Paralegal that made everything easy to understand.
I am extremely satisfied and pleased most of all grateful for the services of Jonathan and his team! It is such a relief to have a strong team supporting you through a process that’s stressful. Thank you again for everything.
Hetch,Kleeger & Damashek, P.C., is the law office I highly recommend. My attorney Judd Kleeger, accomplished to represent me, support my needs & secure my future after suffering a traumatic accident. Other lawyers couldn’t guarantee this to me but Judd…
I can say without hesitation that if you are injured due to someone else’s fault, that no one will fight harder and more passionately for you than Jordan Hecht and Judd Kleeger. I have worked side by side with them…
Amazing job, settled my case in 90 days.
I highly recommend the law firm of Hecht, Kleeger & Damashek – as well as my attorney, Jordan Hecht. Jordan was able to answer all of my questions and put me at ease. He was always responsive and patient. He…
I have referred numerous cases to Judd Kleeger and the team at HKD. I feel very confident when i refer a client that they will be treated with the highest regard. Each of my referrals has had very positive experiences…
I was always able to reach my attorney Judd Kleeger with any concern I had about my case. He responded timely and with the utmost courtesy to my sometimes desperate phone calls and email. He knew exactly what to do…
The attorneys at Hecht, Kleeger & Damashek are smart, professional, responsive and dedicated to achieving the best results for their clients. Most importantly, they are trustworthy and genuinely good people who you can depend upon.
Judd Kleeger and his team are extremely competent, super professional and have achieved consistently better results than I or my clients had anticipated. He is my “go to” PI team. This was my experience over a decade and not just…
I have known Judd Kleeger for over a decade now. By far the smartest hardest working attorney I have ever dealt with. His advice has been spot on time and time again. Highly recommend him.
I retained Judd Kleeger for a personal injury case. I would, without hesitation, recommend Judd, and his firm, for anyone who finds themselves in a situation that demands a tenacious advocate who will not stop fighting until he gets results.
I can’t recommend Judd Kleeger enough. He is without a doubt the most professional lawyer I’ve encountered. Judd Kleeger is diligent and quick in his responses, always making sure his clients are in the right hands. I’ve never had to…
Judd Kleeger is an exceptional attorney who makes sure to get the best possible outcome for his client. He is always available, and is knowledgeable, prepared and dedicated to his clients. He is not afraid to go to trial and…
Mr. Judd Kleeger and his team at Hecht, Kleeger & Damashek are great! They always provide very thoughtful and caring advice. Mr. Kleeger is extremely professional and very easy to work with.
We quickly had to get legal counsel and we contacted Jordan Hecht. The rapport and guidance was outstanding at all times, prompt, timely and open for calls and updates. I can’t thank Jordan enough for his care, work and expertise….
Had a great experience with attorney Ross Raggio. He was professional and attentive every step of the way – would highly recommend.
Mr. Ross Raggio and his team at Hecht, Kleeger & Damashek, P.C., provided excellent legal services. His team and him were absolutely great, always returning calls or emails when we had questions about the case. Always very cordial, caring and…
My wife and i are very grateful to Mr. Jordan Hecht for his sincere compassion and legal assistance during one of the most challenging time in our lives. He was extremely professional and answered all of our concerns. Mr. Hecht…
Very professional and very responsive. I would highly recommend this firm to anyone in need of an attorney. The attorney Ross Raggio, who was personally assigned to my case consistently followed through and was able to bring the case to…
Mr. Ross Raggio went above and beyond to settle my case during the height of the pandemic, a time when my options appeared limited and the likelihood of a satisfactory resolution seemed slim. He was responsive and professional, and was…
I was a sole practitioner specializing in personal injury law in NYC for more than 36 years. When I decided to retire, I had to make several critical decisions before terminating my practice. To whom should I refer my clients…
Ross was always available and working with my best interests, also very thorough with any questions I had along the case. Will recommend to others!
Jordan Hecht of Hecht, Kleeger & Damashek is the best lawyer I’ve ever worked with. He is smart, tough, and very professional. I highly recommend the firm and could not have asked for a better outcome.
The HKD law firm is highly professional, responsive and caring. They were willing to handle my case when other firms declined. Not only did we win our case, but received a huge settlement.
My representation by Jordan Hecht and the whole staff at Hecht, Kleeger and Damashek was top notch professional and very productive
I have had the pleasure to work alongside Ross Raggio on several matters. He is an extremely talented attorney with an exceptional understanding of the law. I would recommend him and HK&D to anyone looking for a personal injury attorney.
I came to know the firm through my relationship with one of the partners, Jordan Hecht. Jordan and I became close friends in law school. I have since referred several cases to Jordan and his firm ranging from a mesothelioma…
From the moment that I contacted this Law firm and got assigned Mr. Ross. They have been nothing but helpful, Especially Mr. Ross. In the time that Mr. Ross took my case, it took him 3 months to a get…
I cannot speak highly enough about this firm. The situation that necessitated my need for legal representation was very stressful on me and my family and the lawyers here were with me every step of the way. I could always…
I retained Hecht, Kleeger & Damashek for a serious personal injury case. They were very professional and managed to obtain a settlement for me that far exceeded my expectations. I would strongly recommend this firm for anyone’s legal needs.
After meeting a half dozen lawyers at different firms, I decided to go to Hecht, Kleeger and Damashek. As soon as I met Jon Damashek, I knew I had to look no further. Mr. Damashek made me feel at ease…
After meeting with Jon Damashek I knew immediately he was the right attorney for me. I had met with other attorneys in the past, but Jon’s experience, knowledge, and track record were most impressive. I highly recommend Jon Damashek and…
I know all three named partners at this firm and highly recommend them. They are very professional and tireless advocates for their clients. If you need a personal injury attorney, you cannot do better than Hecht, Kleeger & Damashek.
I have worked with countless attorneys over the years and Jon Damashek stands out among them. I have seen first hand him advocate for his clients vigorously. He fights for the rights of the seriously injured, does not back down…
I had the opportunity to work with Jon Damashek and had an amazing experience. I have known Jon for many years and always felt very comfortable relying on his expertise and knowledge of the law and more importantly his ability…
I cannot recommend Jon Damashek highly enough. I attribute the favorable outcome to my case to his consummate and tireless dedication and tenacity. Just as important, he was truly there with me every step of the way. He was very…
I had the opportunity of having this amazing team of lawyers work on my case. When I first met with Jordan Hecht and Michael Kusz, I really liked their energy and the spunk that they had, it meant business and…
“I had the opportunity to work with Jon Damashek and had an amazing experience. I have known Jon for many years and always felt very comfortable relying on his expertise, knowledge of the law, and more importantly – his ability…
“I cannot recommend Jon Damashek highly enough. I attribute the favorable outcome of my case to his consummate and tireless dedication and tenacity. Just as important, he was truly there with me every step of the way. He was very…