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The initial call with the Insurance Lawyer New York is very important. The insurance company will use it as an opportunity to interview you about: the nature of your disability and treatment; the specifics of your job; and your activities of daily living. You should therefore prepare yourself before making the call. If they call you, you should ask if you could call them back so that you have an opportunity to gather your thoughts. You should be courteous and forthright. But, remember no matter how friendly and helpful the claims representative seems, he or she is not on your side. An insurance company makes money by collecting premiums, not by paying out benefits.
The most important question you must be prepared to answer is the following: Why were you able to work yesterday, but not today? This is easy to answer in the case of an accident, but not in the case of a progressive illness. Often, an individual becomes slowly and progressively more impaired until they reach a point when they just cannot work any longer. This must be explained to the insurer.
