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What Should I Do When Talking to Car Insurance Agents After a Collision?

Posted on : May 25, 2020

You’re required to carry car insurance in Georgia as a driver in the event of an accident, but that doesn’t mean that it’s easy to talk with insurance providers if an accident does happen. Keep these tips in mind when dealing with your insurance agent or someone else’s. 

Communicating with Your Insurance Carrier 

After the accident, you’ll have to call your insurance provider to make a report. This should be done whether you or the other driver were at fault. It’s important to keep in mind that car insurance companies have their own best interests in mind. They don’t want to make a payment on any kind of claim. This may mean your insurance carrier makes you look like you’re wholly or partially at fault for the incident. 

Communicating with the Insurance Carrier of the Other Driver

The law does not require you to discuss your case with the insurance carrier of the other driver. This may come as a surprise to individuals who have been pressured by insurance agents to make statements or consent to interviews with the other side’s agent. Be sure to decline to speak with their insurance company on your own and consult an attorney before agreeing to an interview. 

Tips for Talking to an Insurance Provider 

When talking to any insurance provider, be sure to follow these guidelines: 

  • Be careful about what you say and how you say it. Insurance companies will use anything you say against you if it helps them avoid making payment on a claim. 
  • Don’t volunteer extra information. Answer the questions you’re being asked and only those questions. 
  • Don’t guess what you don’t remember. If you don’t have a clear memory of something that happened, simply let the insurance agent know that you don’t remember. 
  • Ask the insurance agent to speak to your lawyer. Don’t let the insurance company allow you to become flustered. Instead, refer them to your attorney for any and all questioning, especially if you think they may be acting in bad faith. 

Hurt in a Motor Vehicle Accident? How a Georgia Personal Injury Attorney Can Help 

When you or someone you care about is injured in a car accident, there’s no time to wait to get legal advocacy. You can be confident the insurance companies are likely working against you to avoid making a payment, and you need someone on your side. All Appalachian Injury Law now at (800) 393-8595. 


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