How to Deal with the Insurer After a Car Accident

Last updated Friday, February 12th, 2021

Car accidents are known for producing horrible injuries, and when you’re still struggling to recover, the last thing you need to be dealing with is an insurance adjuster who isn’t looking out for your best interests. 

Fortunately, when you have an experienced car accident lawyer advocating for your rights, you won’t have to worry about being taken advantage of. 

With that being said, it can be helpful for injury victims to know what to expect from the insurance company after their accident. Continue reading to learn more about how auto insurance works and how it impacts your civil claim. 

Insurance Laws Near You

Before you can understand how car insurance works in Georgia, you’ll need to know what the law is. Georgia is a fault state when it comes to auto insurance. This means that after you have been involved in an accident, you’ll need to get the liable party’s insurance information so you can file a claim with their auto insurer. 

This is a stark contrast to no-fault states like Florida or Massachusetts, for example, which require drivers to carry personal injury protection coverage. Drivers in these states must file claims with their own insurers, regardless of fault. 

The Insurance Company and Your Car Accident Claim

Filing a claim with the liable party’s insurance company should be much easier than it is. Unfortunately, since insurance companies lose money when they pay out on claimant’s claims, they will often look for opportunities in which they could get away with reducing your injury settlement.

The insurer may ask you to give them a statement, or they could even make you a quick offer since they know you need the money. While these may seem innocent enough, the motives behind them are sometimes unscrupulous. Some insurance adjusters have been known to manipulate statements given to them by claimants, and when an insurer makes a fast offer, it’s sometimes because they know the claimant is entitled to a lot more. 

Rather than risk having undue blame for the accident placed on you, or being taken advantage of by a money-hungry insurance company, you may want to entrust the insurance negotiations to your personal injury lawyer. 

Your lawyer will show the insurance adjuster that you mean business and will never settle for less than what is rightfully yours. By having your lawyer negotiate with the insurer on your behalf, you can rest easier knowing that a qualified legal professional is advocating for your right to full restitution. 

Get in Touch with a Car Accident Lawyer 

Dealing with the insurance company on your behalf is just one of the benefits you get when working with a car accident lawyer at Monge & Associates. When you are ready to schedule your free, no-obligation claim evaluation, you can call our office at 800-421-0174 or complete our contact form.