If you have been involved in an auto accident and try to deal with the insurance adjusters on your own, you likely will be another unfortunate statistic. The fact is a lot of people try to handle their own auto accident claim. As a personal injury attorney in the state of Georgia, here are some things that I feel you need to know before handling your own claim:
1. Adjusters are highly trained. The insurance companies pay a lot of money to make sure their adjusters are trained to prevent losses. The goal is to take in premiums and not pay out on damages. If you are dealing with adjusters, likely your interests are in direct opposition to theirs.
2. Adjusters are overworked. Most adjusters who are dealing with you on a claim have several other files, sometimes several hundreds of files. This gives them a great deal of experience over you. If they have 200 files at any given time and you have one auto collision in a lifetime, they have over 200 times the experience.
3. Adjusters are not your friends. As mentioned earlier, they are trained to be friendly to you to get the information they need to adjust the claim and to find a reason to deny the claim or to fight the claim. Their primary job is not to pay you!
4. You may think you can handle a claim yourself and, if small enough, you probably can, but if you do not have an attorney, the insurance company knows it is likely that you will not take them to court. If you do file suit yourself, you will be going up against the insurance company’s attorney, who handles hundreds of cases a year just like yours.
5. In an auto collision you do not file the lawsuit against the at-fault insurance company, you file against the at-fault driver. In Georgia, if insurance is mentioned in front of a jury that is grounds for a mistrial. If you get a mistrial it means you start over from the beginning and waste time and money in the process. Adjusters know the insurance company will not be mentioned or discussed in a lawsuit; this will give them an advantage in the fact you may be suing a poor elderly woman (the other driver)-not a big bad insurance company.
6. If you give the adjusters the information they want (for example, a recorded statement, a signed medical authorization, or your social security number), you can expect that they will stop taking your calls and will no longer be the friendly people they were prior to obtaining what they wanted.
Ty Wilson is a personal injury attorney in Georgia and is dedicated to helping injured people and their families. Call his office today at 866-937-5454 to order his free report, 10 Secrets of Georgia Car Wreck Claims.