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What You Should do to Get the Most Money from Your Insurance Claim

Seth Harris

Last modified on January 29, 2023

If you have suffered injuries in an accident that was someone else’s fault, you might be eligible to claim compensation for your losses. Yet when you file a claim with an insurance company, their goal will be to minimize the amount you receive. What can you do to get the most money you receive in your injury settlement? Following these tips can help ensure you get the most money from your insurance claim.

To Get The Most Money, Make Sure You Assess the Full Value of Your Claim

How to Get the Most Money from Insurance ClaimsYour compensation should address the full extent of the losses you have suffered in the accident. This amount should cover medical expenses, property damage, and lost wages due to the time you missed at work during your recovery. As such, preserving all financial records relating to your injury can help you determine the value of your losses.

Your payout should also address your non-economic losses, such as disability, disfigurement, and loss of enjoyment of life. Comparing your circumstances to similar cases can give you an idea of what you stand to recover from your claim.

Seek Immediate Medical Treatment

Some people avoid going to the doctor after an accident because they think their injuries are minor and will heal on their own. Other people do not realize that they have received injuries at all. Adrenaline can mask the pain you feel after an accident. The severity of any injuries you have might not become evident until several days have passed. Even if you don’t think you have any notable injuries, visit a medical professional as soon as possible.

If you have injuries, a doctor’s early intervention can help you recover more quickly and fully. Furthermore, documentation that you sought treatment soon after the accident can help insurers take your claim more seriously. That will help you get the most money for your injuries

Keep a Journal

Documenting all your post-accident experiences can help you maximize your compensation. Journaling is an excellent means of doing this. Each day, write down the kind of pain you have experienced as well as whether it feels better or worse than yesterday. You should also make daily notes about your injury’s effects on your emotions, mental health, and daily activities. Having clear documentation about these matters will help you recall them more easily. Conveying your story with clarity can increase your compensation.

Know Your Minimum

When you send a demand letter to the insurance company, you should have a minimum dollar amount you will accept for your losses. You do not need to divulge this amount to the insurer but having clarity about it will help keep you focused as negotiations proceed. As facts emerge that strengthen or weaken your case, you might need to increase or decrease this figure.

Do Not Automatically Accept the Initial Offer

Insurance companies often call injured individuals to offer a low settlement amount. They do so in an attempt to catch you off guard, as many people do not know what their claim is worth. This initial offer might sound good initially, but it is often far too low to cover your losses fully. Think carefully before you accept any offers, and be sure that the amount you receive will cover all your accident-related expenses.

Keep Future Losses in Mind

Some of the consequences of your injury will last well into the future. You might need medical treatment for years to come. Furthermore, any disability you have suffered might prevent you from returning to the job you had before the accident. To get the most money the compensation you receive should address both current and future losses.

Consult with an Experienced Personal Injury Attorney

Get the Most Money from Your Insurance ClaimPeople who hire skilled lawyers to represent them in their injury claims tend to receive substantially higher settlements and verdicts. An experienced attorney, like the attorneys of [firm-name] will take care of every aspect of your claim so that you can focus on your recovery. Furthermore, insurers know that a seasoned injury attorney will be unafraid to file a lawsuit, which most insurance companies prefer to avoid. As a result, they will take you and your claim far more seriously.

To Get The Most Money For Your Accident, Contact [firm-name] Today

If you have suffered injuries due to another party’s negligence, the New York personal injury attorneys at [firm-name] have the experience and skill necessary to build the strongest possible case for you. Our legal team will give you the individual attention you need at this difficult time, and we will work tirelessly to secure the most money you can get for the harm you suffered.

Call our offices today at 800-PAIN-LAW or contact us online for a free consultation to learn more about how we can help you.

Over $500 Million in Verdicts and Settlements

Our track record showcases over $500 million won for our clients. Each victory underlines our commitment to justice and client care. Explore our impact, case by case.



A Brooklyn jury awarded Mr. Vargas $17.5 million for the City of New York’s violation of his civil rights for failing to provide him medical care while in custody. The jury found that the police officers involved failed to provide the necessary medical treatment and awarded $17.5 million to Mr. Vargas.



Harris Keenan & Goldfarb partners Seth Harris and Sheri Holland obtained a $4,730,398.00 jury verdict on behalf of our client who tripped and fell at a private apartment building in the Bronx, suffering a broken foot that developed a very painful, permanent neurological condition called Reflex Sympathetic Dystrophy (“RSD”).



A Bronx jury awarded John Doe over $12 million for an accident on a construction site. John Doe was working when a piece of scaffold weighing 35 pounds fell, striking John Doe in the lower back. John Doe suffered a herniated disc requiring surgical removal of a portion of the disc and permanent nerve damage.



A Bronx jury awarded $10.5 million to the mother of Malcolm Ferguson, who was wrongfully shot and killed by the New York City Police Department. The police officer, Louis Rivera, also a defendant in the case, was found to have used excessive force in violation of Malcolm Ferguson’s civil rights as protected under the United States Constitution.



A Bronx jury awarded plaintiff William Cardoza $4 million for injuries caused by the use of excessive force during an arrest. During the arrest, Mr. Cardoza was pepper-sprayed and repeatedly hit with a police nightstick. As a result, Mr. Cardoza sustained injuries to his hand and finger.



The firm’s client, a 33-year-old teacher’s assistant, was scalded by an espresso machine that exploded while the defendant’s employee was demonstrating how the machine worked. The client was a customer at the defendant’s coffee shop on the date of the accident and suffered first-degree burns to her right (dominant) hand.



The firm represented the mother- decedent and her infant son. During the decedent’s admission to the defendant hospital, the defendant dispensed anesthesia during an epidural to the decedent in an inadequate manner. The mother-decedent suffered personal injuries and wrongful death due to the defendant’s failure to properly administer epidural anesthesia.



Mr.Brennan fell from approximately 25 feet while working on a construction project. He suffered a shattered bone in his right leg requiring surgery and hardware placement. Mr. Brennan also suffered two fractures in his facial bones, and a dislocated finger requiring surgical repair.



The firm’s client was a child with cerebral palsy who was injured as a result of medical malpractice. The firm’s clients claimed improper management of pregnancy, labor, and delivery resulting in brain damage, and received a Brooklyn personal injury settlement.



The firm’s client, a 63-year-old mentally incompetent man, slipped and fell in his own urine while attempting to walk to the bathroom at the defendant’s senior citizen home. The client fractured his hip and as a result is confined to a wheelchair for the rest of his life. The client claimed that the staff of the home failed to properly care for him, and the jury awarded $1,677,835.



The firm’s client, a 47-year-old male, slipped and fell on a public sidewalk in the Bronx. It had snowed four to five days prior to the date of the accident, and the sidewalk was covered with ice. The client suffered a lumbar fracture and a herniated disc. The jury found the city liable and awarded the client a $2,995,000 personal injury settlement in the Bronx.



A Bronx jury awarded plaintiff Luis Molina $2.61 million for injuries sustained when he fell down a subway station stairway. Mr. Molina was caused to slip and fall as a result of a plastic bag that had blown onto the steps from a street opening. As a result of the fall, Mr. Molina suffered a herniated disc and a tear of his right shoulder’s rotator cuff. The jury found that the NYC Transit Authority was liable for the accident.



A Bronx jury awarded Ms. Colon $2.25 million for a trip and fall accident. Ms. Colon was caused to fall when she moved to the right to allow another pedestrian to pass, and her foot rolled to the outside due to the sidewalk being unlevel with the adjoining grass. The jury found the defendant liable and awarded Ms. Colon $2,253,714.00 for her pain and suffering.



A Brooklyn jury awarded Arvella Floyd $1.9 million for a fractured wrist which required multiple surgeries, including an open-reduction internal fixation and a carpal tunnel release. Ms. Floyd was injured when the hot water knob of the shower fell off after numerous complaints to the superintendent, and scalding water spewed toward her, causing her to
fall and break her wrist.



A Bronx jury awarded plaintiff Juanita Young $1,350,000 for injuries caused by the use of excessive force during an arrest. During the arrest, Ms. Young, who is legally blind, was handcuffed from behind, with her children watching, and taken to the top of the stairs to exit the building. The officer proceeded to push her down the stairs multiple times.

What our clients have to say

I am not a client. Just a commuter. What is your advertisement? Fire your marketing manager asap. “Yo, pain law, yo” what is that? 1 start for horrible marketing. Sorry. Job you do is serious and isn’t a joke.
david Santiagodavid Santiago
18:05 21 Mar 24
Maria RoqueMaria Roque
20:49 15 Mar 24
Excellent person, very Professional, they assist you in any language, your call is always answered. I recommend you for any case of support you have, your refund is satisfactory. and fast
14:09 02 Mar 24
I am completely satisfied, and recommend Harris Keenan & Goldfarb as Attorneys to represent anyone. Their care for me physically, and overall helped me stay strong in spite of my injuries. Always available to answer questions, and inform.They got me Justice, and achieved a substantial outcome for my case.I am very impressed, and thankful for their outstanding performance on my behalf.I am very pleased, and significantly satisfied with their representation.‐-Sherylon Wilkins
Robert LennonRobert Lennon
15:26 21 Feb 24
Patient and diligence is how I describe the effort of HKG the work was thorough, honest and fair, I have no complaints. Special thanks to attorney Blake and his paralegal Thierry.
Gene Matos (fanboye)Gene Matos (fanboye)
18:48 15 Jan 24
I first crossed paths with Seth Harris when serving jury duty many years ago. He was so professional and personable, that when my mom was seeking legal counsel for medical malpractice, I told her she had to reach out to his firm. We had meetings with a few different firms, but Harris Keenan & Goldfarb was the only firm that did not try to get us to sign paperwork before even meeting. They took the time to listen and understand our situation before we signed anything, and they were transparent and responsive the whole time. I would like to give special thanks to Samantha Walton, Marla Stein, Val Wallace and Seth Harris for helping my mom through this tough time. They were honest and upfront, and even though Seth Harris wasn't personally on the case, he took the time to meet with us and give us his thoughts on it.
Solange IsaacSolange Isaac
17:52 08 Jan 24
I am pleased with the services provided by Ms Sheri on my case. The team at Harris, Keenan, & Goldfarb were very nice and explained everything to me. Everything that I had questions on they answered without frustration and were prompt and knowledgeable.6 years ago I had a slip and fall accident at my employers place of business. I reached out to them because I knew that I was being wrongfully treated. They took care of the case, restored my self confidence, and brought so much peace to my problem riddled life.I can recommend without a shadow of a doubt the services of Harris, Keenan & Goldfarb to anyone who is in need of someone who will have your back!
Brittany DempseyBrittany Dempsey
16:02 08 Jan 24
My mother had an accident with her ankle back in 2019. I immediately contacted Harris, Keenan & Goldfarb on the day of the accident. They were extremely prompt and helpful. They attended to my mother's case beautifully and she's been recovering well. I'd like to thank you for being so diligent, kind and above all professional. I'd recommend this law firm to anyone who are injured and in need of legal assistance. My mother, Andrea, and I thank you for everything.
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Frequently Asked Questions

Common questions that prospective clients have about personal injury claims include:

  • Do I need an attorney?

    When you have suffered an injury, it can be difficult to know what to do next. If the injury was caused by someone else’s negligence, you may be entitled to compensation. However, filing a personal injury claim can be a complex and time-consuming process. An experienced attorney can help you navigate the legal system and fight for the maximum possible compensation.

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