Contacting Your Insurance Company

Dealing with insurance companies is often be frustrating, especially if you have been injured in a car wreck.  Unfortunately, the only way to be compensated for your loss is to speak with an insurance adjuster.  However, since the very outcome of your case could depend on how the initial contact with an insurance company is handled, it is important to communicate correctly.  The first rule of thumb is to contact your insurance company as soon as possible to put them on notice of the accident.  As soon as you have gotten appropriate initial medical treatment, call your insurance company.  In fact, some insurance contracts require prompt notice.  Always be polite, even if the person on the other end of the phone makes it difficult to do so.

auto insurance policyDuring the initial conversation with your insurance company, the adjuster will likely ask you for several details: How did the accident happen?  Who was at fault?  Was a ticket issued?  Were there witnesses?  Which of your body parts did you hurt?  Have you ever gotten medical treatment to those body parts previously?

The list of questions goes on and on.  The adjuster may even record your conversation.  During the conversation, do not apologize or accept blame just to be polite or agreeable if you do not believe you were at fault.  If you are unsure of any fact because the accident happened too quickly or because your injuries were so severe that you were unconscious, you may want to review the Motor Vehicle Accident Report prepared the officer or speak with witnesses to help refresh your recollection.

Always be truthful in your responses to the insurance adjuster.  Do not be intimidated.  Ask all of the questions that you want to ask regarding your coverage limits, medical payments coverage, uninsured motorist coverage, how to get your car fixed, how to get a rental car, or any other question that comes to mind.

If you feel that your questions have not been answered to your satisfaction, consult with an auto accident attorney in Georgia.

For more information on the importance of proper communication with your insurance company following a motor vehicle accident, please call us at 770-786-1095 or visit our website at

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