Information Not to Share with an Insurance Adjuster in Georgia

Insurance adjusters may attempt to trick you into giving away too much information after an accident. Make sure you do not share information about:

  • Your work (type of work, name and address of employer, salary)
  • Your medical history
  • The cause of the accident

In addition to the above, review these seven things you should never say to an insurance adjuster following an accident.

But even if you do not volunteer any information, adjusters have tactics to make you reveal unnecessary information.

Tactics Insurance Adjusters May Use to Reduce or Deny Your Claim

When someone is at fault for an accident, those injured file a claim with the at-fault driver’s insurance company. Many assume that as long as all paperwork is in order, the process will go smoothly. However, since the insurer is losing money by paying a claim, insurance adjusters may use a variety of tactics to minimize it.

  • Assigning partial fault - Make sure to have ample evidence (a copy of the accident report, photographs, witness statements, etc.) that places most (if not all) of the blame on the insurer’s client.
  • Saying you filed the claim or lawsuit too late - Make sure to check the Georgia statute of limitations and file your claim early.
  • Only covering certain costs - The insurer may claim that only your out-of-pocket costs are covered if, for example, your insurance kicked in and paid some of your medical costs.
  • Offering very little - Do not feel pressured to accept the first settlement offer; ask how the insurer arrived at the number, then work with your attorney to negotiate a fairer value.
  • Having you sign waivers – Take any papers or waivers to your attorney first.
  • Having you sign a medical release form – Consult your lawyer before signing anything.
  • Pressuring you into giving a recorded statement – Once again, this is not an obligation. First consult your attorney about giving a recorded statement. If you do talk to the insurer, only discuss the information mentioned above.
Jason R. Schultz
Helping Georgia area residents with car accident, medical malpractice, and personal injury claims since 1991.