Insurance Companies & Accident Victims

Insurance Companies and Accident Victims

In most cases, the person(s) responsible for a victim’s accident has insurance coverage that will pay the accident victim’s personal injury claim. However, the defendant’s insurance company hires a lawyer to represent them. In these cases, the insurance company controls the litigation, including whether a settlement offer will be made and for how much. At The Law Office of Carl Maltese, we’re skilled at diverting the tactics of insurance companies and seeking the compensation you deserve.

We’ll Help Prove to the Insurance Company That You’re Not Liable

Insurance companies have one objective: to minimize their payout. As a result, they’re highly motivated to do whatever they can to pay as little as possible, as they profit from every dollar they avoid paying. The insurance carrier will argue that the accident was not their insured’s fault and will often blame the injured party instead and strongly dispute the full nature of the victim’s injuries, including their pain and suffering. They sometimes even claim that certain injuries were due to pre-existing conditions, not the accident. Our job is to prove to the insurance company that their insured is, in fact, liable for causing the accident.

Our Experienced Team Will Prepare Your Case Quickly and Efficiently

We speak to the insurance adjusters that handle Suffolk County cases on a daily basis, so we know effective strategies for settlement negotiations. In preparation for court, we have an investigator search for witnesses to the accident and often hire an accident reconstructionist or engineer to support our client’s claims. Our office works directly with your doctors to assemble evidence of your injuries that is convincing and persuasive and supports your claim with reports from medical experts and diagnostic test results. If necessary, we hire medical experts to testify to the severity and permanency of your injuries and the cost of your future medical care. In addition, we will often recruit economists, life care planners, and vocational rehabilitation experts to quantify the amount of economic loss the accident has caused.

We’ll Seek to Prove Your Case to a Jury

We’re in the Riverhead courthouse almost every day and know most Suffolk County insurance company lawyers by their first names. We’ve been litigating cases against them for over 45 years, and understanding our adversaries’ defense approaches allows us to better prepare our client’s cases, for which we request a quick trial. This will often push the insurance carrier into negotiating a settlement as opposed to taking the case to court. After the insurance carrier recognizes that we’re ready for a trial, they typically invite us to attend a mediation where our clients’ cases are often resolved for fair and adequate compensation out of court. If the insurance carrier refuses to settle for a fair amount, we will seek to prove your case to a jury.

The Law Office of Carl Maltese offers a free, no-obligation consultation so that we can learn about your case and advise you of your legal options for seeking recovery against those who may be responsible. Contact our Smithtown, NY office online or call us at (631) 543-8811 to schedule an appointment. If you are unable to make it to our office, we will be happy to meet with you at your home, hospital, or other location that is convenient for you.



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