Dealing With Insurance Adjusters After a Car Accident

Insurance agent checking damages on car accident.

Insurance agent checking damages on car accident.If you’re reading this, you might be feeling overwhelmed after a car accident in Atlanta. It’s not just the physical pain; dealing with insurance adjusters can add a layer of stress you didn’t anticipate. Below, Butler Kahn will guide you through this process, empowering you with the knowledge you need to handle these conversations confidently.

Who Are Insurance Adjusters?

First, let’s talk about who insurance adjusters are. They work for insurance companies and their job is to figure out how much money should be paid out for your claim. Remember, their goal is to save their company money, which might not always align with your need for a fair settlement.

Initial Contact

After your accident, an adjuster will likely contact you to get your version of events. Be cautious. They’re trained to ask questions that might lead you to say something that could affect your claim negatively. It’s okay to give them basic information, like the time and place of the accident, but avoid discussing details about fault or your injuries.

Discussing Your Injuries

When it comes to injuries, it’s best to be cautious. You might not fully understand the extent of your injuries immediately after the accident. If an adjuster asks, it’s fair to say you’re still assessing your injuries with medical professionals. Quick settlements might not cover future medical bills, so it’s wise to wait until you have a complete picture of your health.

Settlement Offers

Adjusters might quickly offer you a settlement. While it’s tempting to take this to move on, these offers are often lower than what you might need or deserve. Accepting too soon can mean you’ll cover any future costs related to the accident out of your pocket.

Your Right to Negotiate

You have the right to negotiate. If the initial offer is too low, you don’t have to accept it. It can be helpful to have a specific amount in mind based on your expenses and losses. Presenting a counteroffer backed by documents, like medical bills or repair estimates, can strengthen your position.

Legal Representation

You don’t have to go through this alone. Hiring a lawyer can take the pressure off you. Lawyers understand the tactics adjusters use and can negotiate on your behalf. They can also help you understand your rights and the true value of your claim and are prepared to fight on your behalf in court.

Document Everything

Keep records of all your interactions with the insurance company, including dates, names, and a summary of conversations. Save all receipts and bills related to the accident. This documentation will be invaluable, whether you’re negotiating yourself or have legal representation.

Take Your Time

It’s important not to rush. You might feel pressure from adjusters to settle quickly, but you have the right to take the time you need to understand the full impact of the accident. Once you agree to a settlement, you can’t go back and ask for more money later if you find out your injuries are more serious than you thought.

When to Speak to a Lawyer

If you’re feeling overwhelmed, if the insurance company denies your claim, or if the settlement offer is too low, it might be time to speak to a lawyer, who can take over the negotiation process, allowing you to focus on your recovery.

Dealing with insurance adjusters is a major part of your tasks after a car accident. It requires patience, caution, and often, professional advice.

Car Accident Lawyers in Atlanta

Butler FirmIf you’re dealing with a car accident insurance claim in Atlanta and feeling uncertain about how to handle insurance adjusters, Butler Kahn is here to help. You don’t have to face this complex situation on your own. Our team of experienced car accident attorneys understands what you’re going through and knows how to fight for the compensation you deserve. By retaining us, you’ll gain an advocate who protects your rights in the settlement process. Contact Butler Kahn by calling (678) 940-1444 or contacting us online for a consultation with an attorney.

Picture of Jeb Butler
Jeb Butler’s career as a Georgia trial lawyer has led to a $150 million verdict in a product liability case against Chrysler for a dangerous vehicle design that caused the death of a child, a $45 million settlement for a young man who permanently lost the ability to walk and talk, and numerous other verdicts and settlements, many of which are confidential at the defendant’s insistence. Jeb has worked on several cases that led to systemic changes and improvements in public safety. He has been repeatedly recognized as a Georgia SuperLawyer and ranks among Georgia’s legal elite. Jeb graduated in the top 10% of his class at UGA Law, argued on the National Moot Court team, and published in the Law Review. He is the founding partner of Butler Kahn law firm. Connect with me on LinkedIn
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