Call Schwartzapfel Lawyers now for your free consultation! Simply dial (516) 342-2200 or visit us online to schedule yours today. Your future is worth it.

Background

If you or someone you love lives or works in New York State, understanding how insurance companies operate isn't just helpful — it’s essential.

Whether you're injured on the job, in a car accident, or due to someone else's negligence, the system that’s supposed to protect you is often stacked against you.

The truth is simple: insurers are not in the business of paying claims — they’re in the business of avoiding them.

That’s where Schwartzapfel Lawyers comes into play: to make sure you don’t get pushed around when it matters most.

To that end, here are (7) truths insurance companies hope you never find out — until it’s too late.

1. Insurance Companies Profit By Denial

Insurers make billions by underpaying legitimate claims. Every tactic, every delay, is designed to increase their margins — not your compensation.

2. "Quick Settlements" Are A Trap

That first offer? It’s almost always a lowball. Insurance companies hope you’ll accept fast cash before you realize the full cost of your recovery.

3. Your Words Can — And WILL — Be Weaponized

Conversations with adjusters are not casual. They're strategic. Say the wrong thing — even accidentally — and you very well may cripple your own claim.

4. Surveillance Is Real

Insurers routinely hire private investigators. A single photo or video out of context can be twisted to suggest you're exaggerating or dishonest.

5. Insurers Count On You Not Knowing The Law

They don’t expect you to know what your injury is worth or what rights you have under New York law. That's exactly why you need someone who does.

6. Policy Language Is Designed To Confuse EVERYONE

Reading an insurance policy shouldn’t require a law degree — but often it does. This is because their confusion is your disadvantage, unless you have an advocate who will fight for you both in and out of court.

7. You Don’t Have To Face Them Alone, And You Shouldn't!

When you hire Schwartzapfel Lawyers, you level the playing field. We fight — and win! — against insurance companies who put profits before people.

Don’t Ever Settle For Less

Insurance companies count on silence. Make the call that changes everything. Call Schwartzapfel Lawyers now at (516) 342-2200 for your free consultation and so much more.

Allow us the the honor and privilege of fighting for every cent you’re owed, no matter your situation.

Call now!