After a car accident in Georgia, an insurance representative may contact you and ask for a statement. He or she may claim that this statement will help you secure compensation faster. However, it is important to remember that an insurance adjuster is not always on your side—and if he or she asks for a recorded statement, you should proceed with caution.
Georgia is a fault accident state, which means that victims in car accidents have two options to secure compensation: they can file an insurance claim, or they can file a personal injury lawsuit. Within the insurance process, victims can file a claim against the at-fault driver, or they can file a claim under their own insurance if they have the appropriate coverage.
When you file an insurance claim, the company will assign a representative, known as an adjuster, to your case. The adjuster will conduct an independent investigation into the accident in order to determine who caused it. You will need to supply evidence and may need to engage in negotiations with the adjuster to settle your case.
You are not required to provide a recorded statement to the insurance company, but the adjuster may ask for one anyway. The purpose of this statement is for the adjuster to hear, in your own words, how the accident occurred. However, you may not know all of the facts about your injury at this stage in your case, and you may make a statement that you later discover to be untrue.
It is important to remember that an insurance adjuster’s priority is to protect the company’s bottom line. It is not in the company’s best interests to provide maximum compensation. The adjuster could use any discrepancy in your statement, no matter how small, to justify a lower settlement.
You are under no legal obligation to provide a statement to an insurance company. You have the right to refuse the request and speak to an attorney. If you do find yourself in this situation, the following tips can help you navigate the statement without harming your future claim.
Navigating discussions with an insurance company can be a risky, sensitive process. If you are in an accident in Georgia, you need an attorney who can advocate for your right to compensation, handle discussions with the insurance company on your behalf, and prepare you for each stage of your case. Contact a Georgia personal injury lawyer as soon as possible to discuss your legal options.