After an accident or injury, there is a good chance you will be seeking compensation and having to deal with an insurance company. Once you file a claim, you will most likely start working with an insurance company adjuster — someone who investigates your claim to see the extent of the insurance company’s liability. It is important to note that the insurance adjuster works for the insurance company and not for you. They have the interest of the insurance company in mind and their job is to make sure that they make a profit by offering you the lowest payout possible. This often takes place by capitalizing on fear, especially if you are already missing work and wondering how to make ends meet. It is important to understand how insurance companies work and what their motivations are so that you can negotiate the best settlement outcome possible for your needs. Here are a few things to remember:
Don’t settle your claim quickly
Your insurance company will most likely try and settle the case quickly and cheaply. Do not be intimidated by the process and make sure you keep your right to be fully compensated in mind. In Georgia, there is a statute of limitations on personal injury cases, giving you around two years to settle your claim.
Avoid signing anything
The adjuster will most likely ask for your recorded statement and for permission to access your medical records. Do not be fooled by this request. You are not legally required to sign the medical release form or to give a statement to the adjuster. Doing so will probably allow them to access information that they may use against you to settle on a lower payout.
Don’t believe the insurance adjuster’s initial value of the case
Keep detailed records of your expenses, lost wages, and medical bills to help you know approximately how much you should expect. In almost all cases, the initial value will be less than what you deserve. If you are unsure of how to proceed with negotiations, you may want to hire an attorney to look at your case.
Consider hiring an attorney
Contacting an attorney is one of the most important steps in protecting your rights. An experienced personal injury attorney can provide you legal advice and make sure you are fully compensated for your injuries and your personal injury case. The personal injury attorneys at Harriss & Hartman Law Firm are experienced in dealing with insurance companies and insurance company lawyers! Call now for a FREE CONSULATION with an experienced personal injury attorney at Harriss & Hartman – 706-861-0203. We handle personal injury cases and car accidents in Georgia and Tennessee!