Navigating Calls from Insurance Adjusters in Your Georgia Personal Injury Case

When an insurance adjuster calls about your personal injury case in Georgia, it can feel overwhelming. These calls often come unexpectedly and may leave you unsure of what to say or do next. Understanding how to handle these conversations is crucial to protect your rights and ensure your case proceeds smoothly.

This guide explains what to expect when an insurance adjuster contacts you, how to respond effectively, and what steps to take to safeguard your interests.

Who Is an Insurance Adjuster and What Do They Do?

An insurance adjuster works for the insurance company involved in your personal injury claim. Their job is to investigate the claim, gather information, and determine how much the insurance company should pay. They may contact you to ask questions about the accident, your injuries, or your medical treatment.

While their role might seem helpful, remember that adjusters represent the insurance company’s interests. Their goal is often to minimize the amount paid out on claims.

What to Expect When an Insurance Adjuster Calls

When you receive a call from an insurance adjuster, expect questions about:

• How the accident happened

• The extent of your injuries

• Medical treatment you have received

• Time missed from work

• Any previous injuries or health conditions

  
  

They may also ask you to provide a recorded statement or sign documents. These requests can feel routine but may affect your case if not handled carefully.

How to Respond to an Insurance Adjuster’s Call

Here are practical steps to take when an insurance adjuster calls:

1. Stay Calm and Polite

Answer the call calmly and politely. You don’t need to be confrontational or overly friendly. Keep your tone neutral and professional.

2. Do Not Provide Detailed Statements Immediately

Avoid giving a recorded or detailed statement on the spot. You have the right to consult with a personal injury attorney before sharing information. Statements made without legal advice can be used against you later.

3. Take Notes

Write down the adjuster’s name, company, phone number, and the time of the call. Note the questions asked and your responses. This record can be useful if any disputes arise.

4. Ask for Written Communication

Request that important information or settlement offers be sent in writing. This helps you review details carefully and discuss them with your lawyer.

5. Consult a Personal Injury Attorney

Before agreeing to anything or providing detailed information, speak with a qualified personal injury attorney in Georgia. They can guide you on what to say and protect your rights.

Taking notes during a call with an insurance adjuster

Why You Should Be Careful with Your Words

Insurance adjusters are trained to gather information that may reduce the insurance company’s liability or the amount they pay. Even small statements can be taken out of context. For example, saying you feel "okay" might be used to argue your injuries are minor, even if you have serious medical reports.

Avoid discussing:

• Fault or blame for the accident

• The severity of your injuries beyond what your doctor has confirmed

• Any prior injuries or health issues unless your attorney advises it

  
  

What Happens After the Call?

After your conversation with the adjuster, the insurance company will review the information and may make a settlement offer. This offer might be lower than what you deserve. Do not accept any offer without consulting your attorney.

Your lawyer can:

• Evaluate the offer’s fairness

• Negotiate for a higher settlement

• Advise if filing a lawsuit is necessary

  
  
  
  

Additional Tips for Handling Insurance Adjuster Calls in Georgia

• Do not rush. Take your time to understand the process.

• Keep all medical records and bills organized. These documents support your claim.

• Avoid social media posts about your injury or accident. Insurance companies may use this information against you.

• Be honest but cautious. Never lie, but also do not volunteer extra information.

  
  

Understanding Georgia’s Personal Injury Laws

Georgia follows a modified comparative fault rule. This means if you are partly at fault for the accident, your compensation may be reduced by your percentage of fault. If you are more than 50% at fault, you cannot recover damages.

This makes it even more important to be careful when speaking with insurance adjusters. Your words could be used to assign fault unfairly.

When to Get Legal Help

If you have been injured in an accident and an insurance adjuster contacts you, it is wise to consult a personal injury attorney as soon as possible. An attorney will:

• Communicate with the insurance company on your behalf

• Protect your rights throughout the claim process

• Help you understand your legal options

• Work to maximize your compensation

  
  

Handling calls from insurance adjusters can be stressful, but knowing what to expect and how to respond can make a big difference in your personal injury case in Georgia. Remember to stay calm, avoid giving detailed statements without legal advice, and keep thorough records of all communications.