Do I Have To Call My Insurance Company After A Car Accident Georgia?

Car Accident Law Firm in Atlanta

Contacting the authorities via 911 and getting any medical attention should be your first priority. Remaining calm and if you’re able, checking on all involved parties is helpful until emergency personnel arrive. If your vehicles are blocking traffic, try to move them to the side of the road – if they are safe and able to be moved. Once you are treated by medical personnel and you are safe, then you can start thinking about insurance and the aftermath of the accident.

So in answer to the question, while you aren’t required by law to contact your insurance company after a car accident in Georgia, it may be a good idea. The sooner you’ve notified them, the quicker the claims adjuster can start processing your claim and get you paid. Many insurance policies require you to report the accident to them promptly or they may be able to refuse to pay you. Making that report also ensures you can make a claim later down the road if you don’t do so immediately.

Watch What You Say

Keep in mind that you need to be very careful what you tell the claims adjuster and how you say it. An insurance company’s main goal is to make money. They don’t want to pay you any more than they have to. They will ask to record your call and may even try to get you to say things such as “I’m fine.” or “I’m not hurt.” It is possible they will try to get you to admit to the accident being your fault or at least in part. It is best to give them only the basic facts:

  • Where the accident occurred
  • When it happened
  • Who was involved
  • What happened
  • A police report number if available

Never admit any guilt or fault. Don’t be lulled into thinking that your insurance company is your friend or that they are there to take care of you. They want to settle the case for as little to no money as possible. If they can make you out to be even partially guilty of wrongdoing, they can get away with paying nothing at all.

It is strongly advised that you not talk to the other driver’s insurance company adjusters or investigators. Both insurance companies and their adjusters are working for themselves, not you. Your best interests are not a priority for any of them — their own bottom line is. This is why it is a good idea to contact a lawyer such as one of those at Butler Law Firm who is experienced in these types of cases. Let the legal professional do all of your talking for you.

File that Claim or Let Us Do It For You

Don’t be afraid to file a claim with your insurance company. The threat of a raised rate or canceled policies should not influence your decision. If you don’t file a claim in the time frame specified by your insurance company, you lose the option of filing in the future. You won’t be able to recoup any medical bills or those associated with repairing or replacing your vehicle. Not having your own claim in place also raises the risk of you losing a lawsuit if one is brought against you by the other party.

Dealing with the aftermath of a vehicle accident in Georgia can be overwhelming. You have insurance companies hounding you while you’re trying to heal as well as taking care of everything else in your life. Let a law firm help. Contact a car accident law firm in Atlanta for a free consultation and take that first step in getting your life back under control.

Contact the Butler Law Firm for their insight into personal injury cases and working with your insurance company after a car accident.