Dealing with Insurance Companies

Dealing with Insurance Companies After a Car Accident in Georgia

After a car accident, one of the first—and often most stressful—challenges victims face is dealing with insurance companies. Whether it’s your own insurer or the other driver’s provider, navigating these conversations can be overwhelming. It’s not just about filing a claim; it’s about protecting your rights and ensuring you’re treated fairly.

At Blevins & Hong, P.C., we’ve helped countless car accident victims across Gwinnett, Hall, and Forsyth County, GA deal with insurers who prioritize profits over people. This article explains what to expect, what to watch for, and how to protect yourself every step of the way.

What Insurance Companies Care About

Insurance companies are businesses. No matter how friendly the adjuster may seem, their job is to minimize payouts and protect the company’s bottom line. They are trained to look for any reason to deny a claim, reduce a settlement, or delay payment.

This applies to both your own insurance provider (in cases involving uninsured motorist coverage or MedPay) and the at-fault driver’s insurance (when you’re seeking damages).

That’s why it’s important to approach every communication with caution.

What to Do Immediately After the Crash

Before speaking to any insurance company, take these steps first:

1. Get medical attention. Even if you feel fine, many injuries don’t show symptoms immediately.

2. File a police report. This official documentation will serve as a key piece of evidence.

3. Document the scene. Photos, witness names, and details about the crash will support your claim.

4. Notify your insurer. Let your company know a collision occurred, but keep the conversation factual and brief.

Once you’ve taken care of immediate concerns, you’ll likely receive a call from an insurance adjuster.

Tips for Speaking with Insurance Adjusters

When an insurance representative contacts you, keep the following in mind:

• Stick to the facts. Do not speculate about who was at fault or discuss the extent of your injuries.

• Don’t agree to a recorded statement. You are not required to provide one, and it can be used against you later.

• Avoid discussing your medical treatment. Say you are still receiving care and will provide documentation through your attorney.

• Do not accept the first settlement offer. Early offers are often far lower than what your claim is worth.

Remember, the adjuster’s goal is to settle your claim quickly and cheaply—not fairly.

Common Tactics Insurance Companies Use

Insurance companies use several tactics to weaken your case or force a quick settlement:

• Lowball settlement offers: Offering you far less than your claim is worth before you know the full cost of treatment.

• Delays: Hoping financial pressure will cause you to settle.

• Blame-shifting: Arguing you were partially or entirely at fault.

• Disputing medical treatment: Questioning whether your injuries were caused by the accident or necessary at all.

• Surveillance or social media monitoring: Using photos, posts, or videos to undermine your injury claim.

These tactics are especially common in accidents involving uninsured drivers, multiple vehicles, or serious injuries such as traumatic brain injuries or spinal damage.

Why Legal Representation Matters

Insurance companies take claims more seriously when a lawyer is involved. At Blevins & Hong, we handle all communications with insurers, allowing you to focus on recovery—not negotiations or legal stress. We:

• Calculate the full value of your claim (including future medical needs and lost income)

• Gather strong evidence to support liability and damages

• Push back on delays, denials, and unfair settlement offers

• Pursue punitive damages in DUI-related cases or cases involving gross negligence

• File suit if insurers refuse to act in good faith

With decades of combined experience—including a background in law enforcement and prosecution—our legal team knows how to navigate the insurance process from both sides.

Serving Clients Throughout North Georgia

We proudly serve clients across Gwinnett, Hall, and Forsyth County, including cities like Duluth, Lawrenceville, Gainesville, Cumming, and Suwanee. Whether you’ve been hit by a distracted driver, a drunk driver, or someone with minimal insurance coverage, we’re here to help.

Don’t Let the Insurance Company Control the Outcome

The aftermath of a car accident is hard enough. You shouldn’t have to battle an insurance company just to get what you’re owed. At Blevins & Hong, we take on that fight for you—strategically, aggressively, and with your best interests at heart.

Call 855-25-WE-WIN or contact us online for a free consultation. Let us deal with the insurance company—so you can focus on healing.