After a crash, dealing with insurance claims may feel confusing, especially if it’s your first time. Understanding Georgia’s insurance laws can help you avoid mistakes and fight for the compensation you deserve.
Steps to take after a car accident
The first thing to do after an accident is to check for injuries and call 911 if anyone needs medical help. Georgia law requires drivers to report accidents that cause injuries, death, or more than $500 in property damage. Exchange information with the other driver, including names, contact details, and insurance information. Take photos of the accident scene, vehicle damage, and any visible injuries to use as evidence for your claim.
After leaving the scene, contact your insurance company as soon as possible. Provide them with accurate details about the accident but avoid admitting fault. Georgia follows a fault-based system, which means the driver responsible for the crash must pay for damages. The insurance companies will investigate and determine who is at fault based on the evidence.
Dealing with the insurance company
When filing a claim, provide details about the accident, a copy of the police report, and any medical records for injuries. The insurance company may ask for a recorded statement, but you have the right to decline. Stick to the facts and avoid speculating about the incident.
The insurance company may offer a settlement, but it’s important to review it carefully before accepting. Once you accept an offer, you cannot ask for more money later, even if new injuries appear. If the offer seems too low, you can negotiate by providing evidence.
If the insurer denies your claim, ask for a detailed explanation. Sometimes, providing more evidence can help overturn a denial. If you disagree with the decision, you can file an appeal with the insurance company.
Handling an insurance claim can take time and patience. Staying organized and following the right steps can improve your chances of a fair settlement.