When filing a personal injury claim, you will have to deal with insurance adjusters, and what you say and do can significantly impact the outcome of your claim. This guide provides advice on how to protect your rights when dealing with insurance adjusters in Atlanta. Plus, you always have the right to speak with an Atlanta personal injury lawyer about your case.
DO Understand Your Insurance Policy
One of the best things you can do before you file your claim is to familiarize yourself with the details of your insurance policy. Knowing your coverage limits, deductibles, and what your policy encompasses can empower you during conversations with adjusters. Understanding the nuances of your policy will help you argue your case more effectively.
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Personal Injury FAQs
Can I Pursue Punitive Damages in My Atlanta Personal Injury Case?What Types of Personal Injury Cases Are Common in Atlanta?How is Liability Determined in Atlanta Personal Injury Cases?How Can I Protect My Rights When Dealing with Insurance Adjusters in Atlanta?When Should I Hire a Decatur Personal Injury Lawyer?What’s the Statute of Limitations for Personal Injury Claims in Decatur?DON’T Accept the First Offer
As employees of the insurance companies, the adjusters will be looking for ways to protect the company and save money. As such, the insurance companies often start with a low settlement offer. You do not have to accept the first offer given. In fact, you should not accept any offer until you know your medical prognosis and have a full accounting of your losses. It’s crucial not to accept any offer without assessing its fairness.
Carefully review the insurance adjuster’s settlement offer against your actual damages. Ensure the offer covers all your expenses, including medical bills, property damage, and any pain and suffering. Injuries can have long-term financial impacts. When negotiating a settlement, consider future medical expenses, lost wages, and other costs. Accepting a settlement without accounting for these can leave you financially vulnerable.
You have every right to consult with a personal injury attorney to understand the true value of your claim and negotiate accordingly. They can also negotiate on your behalf if the offer falls short.
DO Document Everything
You or a family member should keep detailed records of all your interactions with the insurance adjuster. Your records should include dates, times, and summaries of conversations. Also, you should maintain a file of all claim-related documents, such as:
- Medical bills
- Repair estimates
- Time away from work and any old pay stubs
- Any correspondence
You should even record how your physical recovery is proceeding. Be as detailed as possible. This documentation can be invaluable in negotiations.
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DON’T Give Recorded Statements Without Preparation
Adjusters may ask you for a recorded statement to finalize their assessment. However, providing one without understanding the implications can harm your claim. By providing a recorded statement, they can later use what you say against you. An adjuster could use a simple off-hand comment about feeling okay to say that you were not as injured as you claimed and devalue your settlement.
In addition, you should refrain from discussing your case online or posting on social media. Like the recorded statement, what you post could be misconstrued, such as a picture of you smiling at a birthday party. The adjusters can even use posts you made before the accident against you. So, make sure all your settings are private and avoid social media for the time being.
Again, you can always consult with an attorney before giving any statements. They can guide you on what to say and what to avoid.
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DO Be Patient and Persistent
The claims process can be lengthy and frustrating. It’s important to remain patient but persistent. You should follow up regularly on your claim’s status and be prepared to contest any delays or denials. Persistence shows the insurance company you are serious about your claim.
DON’T Sign Anything Without Understanding
Insurance companies often present documents that may seem straightforward but can significantly impact your claim. Never sign any documents, especially releases or settlements, without fully understanding the terms.
You can have a lawyer review these documents first.
DO Know Your Rights and Obligations
Understanding your legal rights and obligations is key. This knowledge can protect you from unfair practices and ensure you fulfill your part of the insurance contract. A personal injury attorney can help clarify these aspects.
DON’T Discuss Fault or Speculate
When talking to an adjuster, avoid discussing who is at fault or speculating about the accident. Stick to the facts without assigning blame or admitting fault. Your statements could be used against you, affecting your claim’s outcome.
DO Keep Your Health a Priority
Your health should be your top priority. Follow through with all recommended medical treatments and appointments. Documenting your recovery process can also strengthen your claim, showing the impact of the injury on your life. Failing to follow through on your treatment plan could provide the insurance adjusters an opportunity to minimize your claim.
DON’T Let the Insurance Adjuster Pressure You
Insurance adjusters may pressure you to make quick decisions. Remember, you have the right to take the time you need to consider offers and consult with your attorney. Don’t be rushed into making decisions that aren’t in your best interest.
However, keep in mind that O.C.G.A. § 9-3-33 only provides personal injury victims two years to file a lawsuit. If you have concerns, a personal injury attorney may be able to help.
DO Consider Consulting a Personal Injury Attorney
Navigating the claims process can be complex and overwhelming. Consulting with a personal injury attorney can provide you with the expertise needed to protect your interests. Attorneys can
- Provide a consultation
- Investigate your accident
- Identify parties liable
- Assess your damages
- Manage your paperwork
- Handle negotiations
- Represent you in court if negotiations fail
They can fight for your fair settlement while you recover from your injuries.
DO Call Bader Scott Injury Lawyers Today
Dealing with insurance adjusters in Atlanta requires a careful approach to protect your rights and secure a fair settlement for your personal injury claim. By following these dos and don’ts, you can navigate the claims process more effectively.
If you still have questions and concerns, contact us today. Our personal injury attorney can provide you with the guidance and support needed to manage the complexities of insurance negotiations.
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