5 Things to Avoid Saying to the Insurance Adjuster
If you were injured, you will be dealing with physical injuries, emotional distress, and also the financial losses that come with it. The last thing you want is to say something to the insurance adjuster that could hurt your chances of receiving a fair settlement.
Consider working with a lawyer to get guidance throughout the claims process. Our Alpharetta personal injury lawyers at Hawkins Spizman Trial Lawyers can help you handle all communications with the insurance company when filing a personal injury claim.
Things You Shouldn’t Say to the Insurance Adjuster
There are certain things you should avoid saying to the insurance adjuster when filing your personal injury claim.
1. Admitting Fault, Even if Your Fault Contributed to the Accident
It is natural to want to apologize after an accident, even if you were only partially at fault. But admitting fault, even in a small way, can hurt your case. Insurance adjusters are skilled at twisting your words to make it seem like you were entirely to blame. Instead of apologizing or admitting fault, stick to the facts of the accident. Tell the adjuster what happened but don’t speculate about who was at fault.
2. Discussing Your Injuries and Prognosis
While it may be tempting to discuss the extent of your injuries and your long-term prognosis, it is essential to keep that information to yourself. The insurance adjuster is looking for any reason to reduce the value of your claim. If they learn that your injuries are not as severe as you claimed, they could use it against you. Instead, let your attorney handle discussing the extent of your injuries and your prognosis.
3. Speculating About What Happened During the Accident
It is natural to try to fill in the gaps of what you remember from the accident. But guessing or speculating about what happened can hurt your case. If you do not remember something, it is perfectly okay to say that. It is better to admit that you do not remember than to provide incorrect information.
4. Saying “Yes” to a Request for a Recorded Statement
If the insurance adjuster asks for a recorded statement, it is best to decline. Insurance adjusters will use a recorded statement against you, and they may even try to use it to get you to admit fault. If you do agree to give a recorded statement, make sure your attorney is present, and make sure you stick to the facts of the accident.
5. Saying “Yes” to a Settlement Offer
Finally, it is essential to avoid accepting a settlement offer without first speaking to your attorney. Insurance adjusters will often offer you a low settlement in hopes that you’ll accept it, even if it is less than what you deserve. Always speak to your attorney before accepting any settlement offer.
Fact: Do not let the insurance company pressure you into accepting the settlement offer. Georgia law gives injured victims two years from the date of injury to file a lawsuit and obtain compensation (O.C.G.A. § 9-3-33).
Get Guidance from a Lawyer
When filing a personal injury claim, it is essential to be careful about what you say to the insurance adjuster. It is best to let your attorney handle all communications with the insurance adjuster to ensure that your rights are protected and increase your chances of receiving a fair settlement for your injuries. At Hawkins Spizman Trial Lawyers, we serve injured victims all over Georgia, including Alpharetta, Sandy Springs, Atlanta, Johns Creek, Dunwoody, Fulton County, Cobb County, and Gwinnett County. Call 770-685-6400 to set up a free case review.
