Dealing with an insurance company after an injury can be tricky and stressful. While they may seem helpful at first, their main goal is to protect their profits.
One common strategy they use is delaying your claim, sometimes until Georgia’s two-year personal injury statute of limitations runs out. You must understand these insurance company delay tactics and take steps to protect your rights.
Beware of the “friendly” adjuster
Immediately after an accident, an insurance adjuster may appear cooperative and understanding. They may seem empathetic, as if they are genuinely on your side. This friendly approach is a strategic tool.
Their goal is to build your trust and keep you from seeking legal help, all while slowly running out the clock. Remember, they are not a neutral party; their job is to pay as little as possible.
Warning signs that an insurance company is stalling
Insurers are highly skilled at denying and reducing compensation, despite how their TV commercials present them as being your ally. Adjuster stall tactics include:
- Repeatedly asking for documents you already sent, such as medical bills
- Not returning your calls or emails promptly
- Passing you between multiple adjusters, making it hard to get answers
- Promising a review or settlement offer that never arrives
- Requesting excessive or unnecessary information, like your entire medical history, instead of just accident-related records
- Giving vague excuses for delaying your claim
Many adjusters simply want to wear you down and frustrate you with the process.
Protecting your rights and beating the deadline
Document everything related to your claim. Keep a detailed log of all communication, noting dates, times, adjuster names and a summary of each conversation. You should also set your own deadlines and send follow-up emails or written letters to create a clear paper trail.
The two-year statute of limitations in Georgia is a critical deadline, meaning you have a limited time to file a lawsuit after your injury. Delays caused by an insurer do not excuse missing this deadline. Do not fall for insurance company stall tactics. Protecting your financial well-being means staying informed and taking prompt action.
The best way to protect your rights is to consult with an experienced Georgia personal injury attorney who understands the tactics insurance companies use to delay claims. Hiring a skilled lawyer promptly means they will handle all communications with insurers and hold them accountable for paying the compensation you deserve.