If you’re talking with the insurance company,
- Do you feel like you need to settle fast?
- Are they telling you that the offer is only available for a limited time?
- Do you feel rushed to make a decision?
All of this is by design.
While it is true that you can not wait forever to claim damages after a car crash, you have to abide by the statutes of limitations in your state. In New York, you have up to two to three years to file a case, and in Vermont, you have up to three years to file a claim.
However, insurance adjusters would have you think that you need to accept an offer within weeks. Generally, they will try to settle the claim as fast as possible to avoid litigation, a lawsuit that will likely force them to offer more money.
No matter if your damages are incredibly minor, or if you have extensive damage and medical costs, do not settle quickly. It is best to speak with an attorney and get another set of eyes on your case. Many personal injury lawyers will give you an honest assessment of your situation.
This point is especially true if you’ve been fighting or plan on fighting the insurance industry on your own. You may be ready to accept their offer, but are unsure if it’s all your case is worth. Contact a personal injury lawyer who can give you an assessment and probably move your case further than you could alone.