A common question we get is:
“If I’ve been injured because of someone else’s negligence, should I handle the insurance claim on my own?”
The short answer? Sometimes yes—for small, simple claims. But for anything more serious, the answer is no.
Here’s why.
1. Insurance Companies Hold All the Power
Insurance companies are for-profit businesses. Their goal is to pay you as little as possible—or nothing at all.
If you don’t have a lawyer, you have very little leverage. You can’t effectively threaten a lawsuit, which means the insurer likely won’t take your claim seriously. You’ll be negotiating with professionals who have handled hundreds—if not thousands—of claims and are trained to reduce settlements.
Even if the adjuster seems cooperative, most unrepresented claimants don’t know how to submit a strong settlement demand with the correct supporting documentation. This can hurt your chances of getting a fair payout.
2. You Might Not Know What Your Claim is Worth
In New York, personal injury compensation can include medical bills, lost wages, pain and suffering, and more. But if you don’t know the actual value of your case, you’re at a serious disadvantage.
Insurance companies often make lowball offers right from the start, hoping you’ll accept less than you deserve. Without an experienced injury attorney to guide you, you might not even realize you’re being shortchanged.
3. Proving Your Case Is Your Responsibility
Under New York personal injury law, the burden of proof is on you. Insurance companies don’t just take your word for it—they want evidence. That includes medical records, witness statements, accident reports, expert opinions, and more.
They may try to deny your claim by blaming you for the accident, pointing to a previous injury, or arguing that mechanical failure—not driver negligence—was the cause. These tactics are common.
An experienced New York personal injury attorney knows how to fight back and present strong, evidence-backed arguments.
Final Thoughts
If your injury is minor and the situation is straightforward, you might be able to handle the claim yourself. But if your injuries are more serious—or if you feel you’re being treated unfairly—don’t go it alone.
At D’Orazio Peterson LLP, we help injured New Yorkers navigate the claims process with confidence. We understand the tactics insurance companies use, and we know how to build strong, effective cases that get results.
If you’re looking for experienced, compassionate legal help in Saratoga Springs or anywhere in New York, reach out to our office today.