Car Accident Investigations: What the Insurance Adjuster Won’t Tell You
The Truth Behind Insurance Investigations in Georgia
After a car accident, you’ll likely get a call from an insurance adjuster. They’ll sound polite. Helpful, even. But here’s what most people don’t realize: the adjuster’s job is not to help you—it’s to protect the insurance company’s bottom line.
If you want a fair outcome, you need to understand how insurance investigations really work—and what the adjuster might not be telling you.
What the Insurance Adjuster Is Really Doing
Insurance adjusters conduct investigations to determine:
- Who is at fault
- The value of the claim
- Whether any red flags exist (e.g., fraud, exaggeration)
But remember: their goal is to minimize what the insurer pays you.
What They Won’t Tell You (But You Need to Know)
1. They’re Recording Everything You Say
- Adjusters often ask for a recorded statement.
- Anything you say—even casual remarks—can be used against you.
“I’m fine.” → They’ll argue you weren’t really injured. “I didn’t see them.” → They’ll suggest you were distracted.
Tip: Don’t give a recorded statement without speaking to a lawyer first.
2. They May Be Watching You
- Some insurers hire investigators to conduct surveillance.
- They may look at your social media, follow you in public, or take photos.
Tip: Be cautious about what you post online and how you behave while your claim is pending.
3. They Will Try to Get You to Settle Quickly
- You might get a fast offer with a check attached.
- But quick offers are often far below the real value of your case—and you give up your right to pursue more.
Tip: Never accept the first offer without reviewing it with an attorney.
4. They Rarely Tell You What Your Claim Is Actually Worth
- Adjusters won’t mention future medical costs, lost earning capacity, or pain and suffering.
- They’ll focus only on out-of-pocket expenses.
Tip: A lawyer can calculate the full value of your damages—including hidden or long-term losses.
5. They’re Not on Your Side—Even if It’s Your Insurance Company
- In first-party claims (like using your own uninsured motorist coverage), your own insurer may still work against you.
- They have teams of adjusters and lawyers protecting their interests.
Tip: You deserve your own representation.
What You Should Do During an Insurance Investigation
✅ Do:
- Seek medical attention immediately and follow through on treatment
- Keep detailed records of medical bills, lost wages, and pain levels
- Gather evidence from the scene: photos, witness contacts, police report
- Stay consistent in your story across all reports
❌ Don’t:
- Admit fault or speculate about what happened
- Sign any documents or releases without legal advice
- Assume the insurance company is “on your side”
When to Call a Lawyer
You should speak to a Georgia personal injury attorney if:
- The adjuster is blaming you or questioning your claim
- You suffered serious injuries or long-term complications
- You’ve received a low settlement offer or no offer at all
A lawyer can help you fight back against bad faith tactics and maximize your compensation.
Final Thoughts
Insurance adjusters are trained to pay out as little as possible—even if you’re a loyal customer. If you were injured in a Georgia car accident, don’t make the mistake of trusting the process blindly. Know your rights. Protect yourself.
Need Help With an Insurance Investigation?
At Car Wreck Cowboys, we know how insurance companies operate—and we don’t let them take advantage of our clients. Contact us today for a free consultation, and let us fight for the compensation you truly deserve.
