Dealing with insurance after a car accident in Georgia can be a hassle. However, if another driver hurt you, filing a claim with their insurance company is the first step in seeking compensation for your losses.
After you submit your car accident claim, an insurance adjuster will investigate the crash and assess your damages. The adjuster decides whether the insurance company should pay or deny the claim.
Unfortunately, insurance companies hire representatives to protect their bottom lines. Adjusters are trained in tactics to minimize car accident claims and lower payouts. If you get stuck talking to an adjuster on the phone, it’s essential to know how to deal with them to avoid jeopardizing your case.
Dos and Don’ts for Dealing With Insurance Adjusters After a Car Accident in Georgia
After a car accident in Georgia, you must notify your insurance provider about the crash. The other driver’s insurance company might contact you, too. Before you speak with the adjuster from either provider, keep these important tips in mind:
- Do stay calm and polite. Give only basic facts, such as your name, where the crash happened, and the type of car you drove.
- Do write down the name of the adjuster and the company they work for.
- Do tell them you plan to speak with a car accident lawyer before giving detailed statements.
Here’s what you shouldn’t do:
- Don’t admit fault or say things like “I’m sorry,” even if you feel bad. The insurance company might use your words against you.
- Don’t guess about what happened or discuss your injuries. If you don’t know the answer to a question, say so.
- Don’t accept a settlement or sign anything without legal advice. Early offers often fall short of what your case may be worth.
Remember, insurance adjusters work for their employers, not your benefit. They want to close claims quickly and save as much money as possible. Always speak carefully to protect your rights.
Insurance Adjuster Tactics to Watch Out For
Insurance adjusters often act friendly but aim to get you to settle quickly and for the least amount of money possible. Some might pressure you to give a recorded statement and manipulate your words later. Others might ask tricky questions to get you to say something that hurts your claim.
Adjusters might downplay your injuries or insist you don’t need more medical treatment. They could also blame you for the crash or suggest you share part of the fault.
Some adjusters also offer quick settlements before you know how hurt you are. Once you accept, you can’t ask for more money later. Stay alert and speak carefully every time you talk to them. Never accept a settlement offer without legal advice.
When to Hire a Georgia Car Accident Lawyer to Deal with Adjusters
You should talk to a Georgia car accident attorney as soon as possible after a crash. Insurance adjusters often start calling within days of a collision. You could unknowingly hurt your claim if you answer their questions before you understand your rights. A lawyer can speak for you, handle all communications and settlement negotiations, and help you avoid innocent mistakes.
The sooner you get legal help, the better your chances of building a strong case. You don’t have to wait for a denied claim or lowball settlement offer.
Speak with Our Georgia Car Accident Attorneys Today
If you were hurt in a car crash and the insurance companies keep calling, pause before you pick up and learn your legal rights. Contact the Law Offices of William F. Underwood, III, P.C., now for a free consultation.
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