You were involved in a car wreck or other incident that has left you injured. You are wondering whether you should hire a Georgia Personal Injury Lawyer or handle the negotiations with the insurance company yourself. Short answer: Hire an attorney, you will be better off in the long run and you will realize a larger recovery in your pocket than trying to negotiate a settlement on your own. Doubt this advice? Then you do so at your own peril. Studies show that insurance companies and insurance adjusters treat claims that are being handled by lawyers more fairly and do not try some of the tricks that they might be willing to pull on those who are not represented. This, in almost all cases, puts more money in your pocket.
If you have ever dealt with insurance adjusters directly, you know some of the “questionable” tactics that they employ. They frequently will drag out claims for as long as they can, and then eventually deny the claim shortly before the statute of limitations for the claim runs. To be sure, if you are not represented by a lawyer, you are more likely to be taken advantage of by an insurance company (or at least they will try to do this). They will often ask you to sign a bunch of documents, medical releases, employment releases, sign recorded statements, etc. with no real intent of settling your claims. The real goal is to stonewall you for as long as possible before denying the claim.
In addition, dishonest insurance adjusters will frequently ask injured potential clients many questions that are not relevant to the claims such as whether you have health insurance that will cover the medical bills (this is in violation of the collateral source rule in Georgia), whether you have spoken with an attorney about the case, or whether you have been injured before. This is especially true of third-party adjusters who are hired by insurance companies to adjust claims on an ad-hoc basis. These adjusters are especially aggressive as their goal is to settle your case for pennies on the dollar so that they can get more business in the future from that particular insurance company. Instead of trying to fairly resolve the claim, their goal is to delay your case for as long as possible, and then offer you as little as possible in order to make them look good to the home office insurance company. A good lawyer will not stand for this.