The first step of your personal injury case is to file a claim through the insurance company of the at-fault party. You may be able to file through the defendant’s auto, home, or business insurance, depending on the type of accident and insurance coverage available. Your claim will then go to someone called an insurance claims adjuster, whose job it is to review your claim and recommend to the insurance company to either accept or reject coverage.
The most important thing to keep in mind is that the claims adjuster is not on your side. The claims adjuster may use special tactics to try to convince you to settle for less than your claim is truly worth. Take certain steps to protect your rights and best interests when speaking with an insurance claims adjuster in Georgia:
Don't admit fault for your accident or injury. Do not speculate about fault at all; instead, list the facts of your claim as you know them.
Avoid long, overly descriptive answers to questions. Keep your answers short and succinct to give the adjuster less opportunity to use your words against you.
Don't give a recorded statement. No law in Georgia requires you to give one. The adjuster may end up using it against you. Instead, politely decline and explain that you will be submitting a written statement later.
Wait to accept a settlement. The first settlement offered is often lower than the true value of a client's claim. Once you say yes, however, you cannot reopen a closed case or renegotiate its value. Before you accept, consult with an attorney.