Dealing with an insurance company after a personal injury can be a daunting task. Knowing how to navigate the process is crucial to ensure a fair outcome. In this blog, we will provide you with essential tips to effectively handle insurance companies and protect your rights.

When to Notify an Insurance Company

It is crucial to promptly notify the insurance company about your injury, including your own insurance provider. Time limits for reporting injuries may vary and can be as short as a few months so it is best to inform them as soon as possible to avoid potential issues with your claim. The requirements for notice are outlined in the contract and can be interpreted differently by different judges. Be careful!

What to Tell the Insurance Company

When communicating with the insurance company, be mindful there is a difference between duty to your own company versus to the liability company representing the at-fault party. Provide factual information about the incident, including date, time, and location. Avoid making any statements which are merely a “guess”—it will not help anyone. Stick to the facts.

What to Document

Thorough documentation is vital. Keep detailed records of all medical treatment, expenses, and any other costs related to your injury. Take photographs of the accident scene, your injuries, and property damage if applicable. Obtain contact information from any witnesses who can support your version of events. Use your phone to record, document, and preserve!

Make Sure Everything Is in Writing and Avoid Recorded Statements

Conversations over the phone with insurance representatives can be easily misunderstood or misinterpreted. It is crucial to communicate primarily in writing, such as through emails or formal letters. Do not provide recorded statements without the advice of an attorney. Follow up your call by documenting what was said.

Insist on Written Offers

To avoid confusion, insist that any settlement offers or negotiations from the insurance company are put in writing. This ensures transparency and provides a clear understanding of the terms and conditions being proposed. Review all offers carefully, and if needed, consult with a personal injury lawyer to evaluate their adequacy.

Seek Legal Help

Dealing with insurance companies can be overwhelming, especially when dealing with adjusters who do this every day! Hiring an experienced personal injury lawyer can greatly ease your aggravation and confusion. An attorney will advocate for your rights, handle negotiations, and ensure you receive fair compensation for your injuries.

See What Gary Says About Dealing with The Insurance Company After an Injury on Legal Break

Gary Bruce, a personal injury attorney in Columbus, Georgia, discusses how to deal with the insurance company after an injury in a recent episode of Legal Break on WTVM’s local news show. According to Gary Bruce, knowing how to navigate the process is crucial to ensure a fair outcome. The sooner you inform the insurance company of your injuries, the better, as time limits can vary under every contract. He emphasizes avoiding recorded statements without a legal attorney’s advice, as they can be used to misrepresent facts. Gary Bruce’s insights shed light on how an attorney will advocate for your rights, handle negotiations, and ensure you receive fair compensation for your injuries. This link will take you to the video:


Dealing with insurance companies after a personal injury requires careful consideration and strategic steps. By promptly notifying the insurance company, communicating effectively, documenting thoroughly, insisting on written offers, and seeking legal assistance, you can protect your rights and increase your chances of a successful claim. If you reside in Columbus, Georgia, Phenix City, Alabama, or Ft. Moore, Georgia, The Law Office of Gary Bruce is ready to provide guidance and answer any questions you may have. Contact us today for a discussion of your options and how we can help you obtain the compensation you deserve.