If you are in an accident, here is my strong advice. Don’t give a statement to the other person’s insurance company.
Under GA law, you are under no obligation to do so, and there is a strong likelihood that your words will be used against you. The other person’s insurance company is looking for ways to pay you as little as possible.
This advice does not apply to your own insurance company. You must give a statement to your insurance company. Here is some advice on doing that.
- Remember, an insurance investigator is not your friend. He or she works for a company, including your own insurance company, that makes money by paying you less. So, beware.
- Ask that the statement not be recorded. However, you may have to give one anyway. You could lose your uninsured motorist or collision coverage if you do not give a recorded statement.
- Be brief. Just answer the question. Do not elaborate.
- Never admit fault. In GA, the value of your case can be reduced by your percentage of the blame.
- Do not guess. Stick to the facts in as few words as possible.
- Do not underpay your injuries. Many people who have suffered a serious injury will say “I am OK” at the time of the wreck. However, the more serious the consequences of your injury may not manifest themselves until days or weeks later. Just say you don’t know at this time.
- Do no sign any documents without talking to your lawyer.
To show you just how powerful a statement is, consider this. When an insurance company wants a recorded statement about an accident from our clients, I say, “I will let you, if you let me record a statement with your client.” I have never had an adjuster agree to let us record their insured.
If your family suffers a serious injury or wrongful death, you can talk to the Hawk Law Group for free. 706-444-4444. We want to help. We are working remotely and in-person but are always available.
Also, join us on News 12 LawCall here in Augusta every Sunday night at 11:30, right after the news. We are on tape during the COVID-19 epidemic but plan to be back live soon, taking your questions.
GA Wrongful Death Attorney