Cohen & Sinowski
Cohen & Sinowski

How Insurance Companies Evaluate Personal Injury Claims in Georgia

  • Published: April 24, 2023

When dealing with personal injury claims in Georgia, it’s crucial to understand how insurance companies will evaluate your case. This knowledge can greatly affect the outcome of your claim and the compensation you receive. In this blog, we’ll discuss the process insurance companies use to evaluate personal injury claims in Georgia, and how partnering with experienced attorneys like Cohen & Sinowski can help protect your rights and maximize your compensation.

Georgia’s At-Fault Insurance System

In Georgia, the at-fault insurance system plays a pivotal role in determining compensation for personal injury claims. This system holds the responsible party accountable for the accident and the resulting damages. It is crucial to comprehend how this system affects the evaluation of personal injury claims and the importance of establishing the other party’s liability.

Under Georgia’s at-fault insurance system, the party found responsible for causing the accident is legally obligated to compensate the injured party for their damages. This includes medical expenses, lost wages, property damage, and other losses resulting from the accident. This system influences how insurance companies evaluate personal injury claims, as they seek to determine the extent of each party’s responsibility for the accident. If the other party is found fully at fault, their insurance company will typically be responsible for compensating the injured party. However, if both parties share responsibility, the compensation may be reduced in accordance with each party’s fault percentage.

When filing a claim, it is essential to establish the other party’s liability in order to ensure a fair evaluation of your case. This may involve gathering evidence, such as police reports, witness statements, and accident scene photos, to demonstrate the other party’s negligence or recklessness. By proving the other party’s fault, you can maximize your chances of receiving full compensation for your injuries and losses

Proving fault can be challenging, especially in complex accident scenarios or when multiple parties are involved. Insurance companies may attempt to shift blame or minimize their client’s responsibility to reduce their financial liability. In such cases, having an experienced personal injury attorney on your side can be invaluable in countering these tactics and building a strong case.

The Role of Adjusters in Claim Evaluations

Insurance adjusters play a crucial role in the personal injury claim process. They are responsible for investigating and evaluating personal injury claims on behalf of the insurance company. It is essential to understand their role and objectives to navigate the claims process effectively.

A. Primary responsibilities: Adjusters have several key responsibilities during the claim evaluation process, such as determining liability, assessing the extent of injuries and damages, estimating the value of the claim, and negotiating settlements. They gather information through various sources, including police reports, medical records, witness statements, and even surveillance footage.

B. Minimizing financial liability: It’s important to remember that insurance adjusters work for the insurance company, and their primary goal is to minimize the insurer’s financial liability. They are trained to identify factors that can reduce the value of a claim or shift some responsibility to the claimant, potentially lowering the amount of compensation the insurer must pay.

C. Communication with claimants: Adjusters often communicate directly with claimants, asking questions about the accident, the injuries, and the treatment received. While they may seem friendly and helpful, it’s important to remember their ultimate goal of reducing the insurance company’s payout. Be cautious and avoid providing any information that could potentially harm your claim.

D. Settlement negotiations: Adjusters are skilled negotiators, and they will often present a settlement offer that may be lower than what you deserve. They may use tactics such as emphasizing your shared responsibility for the accident, questioning the severity of your injuries, or pointing out inconsistencies in your statements to justify their low offer.

E. The importance of legal representation: To protect your interests and ensure you receive fair compensation, it’s crucial to have an experienced personal injury attorney on your side. Legal representation can help you navigate the complex claim process, counter any tactics used by insurance adjusters, and negotiate a better settlement on your behalf.

By understanding the role and objectives of insurance adjusters, you will be better equipped to handle your personal injury claim. Enlisting the help of experienced attorneys like Scott Cohen and Thomas Sinowski at Cohen & Sinowski can significantly increase your chances of obtaining the compensation you deserve.

Key Factors Insurance Companies Analyze When Assessing Personal Injury Claims

  • Liability determination: When evaluating claims, insurance companies conduct a comprehensive investigation of the accident to establish the party at fault and the extent of their responsibility. This crucial step significantly influences the outcome of your claim.
  • Severity of injuries: The type and severity of your injuries are critical factors in determining the amount of compensation you may receive. Insurance companies thoroughly examine how your injuries impact your quality of life, ability to work, and the need for ongoing medical care.
  • Medical treatment and expenses: Insurance companies consider the cost of your medical treatment and any future medical expenses arising from your injuries. This may include physical therapy, surgeries, medications, and assistive devices.
  • Lost wages and earning capacity: Your claim will encompass compensation for lost wages due to your inability to work during your recovery. Furthermore, any potential reduction in your future earning capacity because of your injuries will also be taken into account.
  • Pain and suffering: Non-economic damages, such as pain and suffering, affect your overall well-being and are considered during claim evaluations. These damages can be more challenging to quantify but are equally important in determining the total compensation you deserve.
  • Comparative negligence: Georgia adheres to a comparative negligence rule, which means your compensation might be reduced if you are found partially responsible for the accident. Insurance companies will carefully analyze the circumstances surrounding the accident to assign a percentage of fault to each party involved.

Your Cobb County Personal Injury AttorneysUnderstanding these key factors can help you better navigate the complexities of personal injury claims and ensure you receive fair compensation for your injuries. Partnering with experienced attorneys like Scott Cohen and Thomas Sinowski at Cohen & Sinowski can make a significant difference in the outcome of your claim.

Tactics Used by Insurance Companies to Minimize Payouts

When filing a personal injury claim, it’s important to remember that insurance companies are for-profit businesses. Their primary goal is to minimize their financial liability, which sometimes means using tactics to reduce the amount of compensation they pay out. Here are some common tactics used by insurance companies to minimize payouts:

  1. Delay tactics: Insurance companies may use various tactics to delay the claim process, hoping you’ll give up or accept a low settlement. This could include requesting unnecessary documentation, requiring multiple medical exams, or simply not responding to your inquiries in a timely manner. By delaying the process, they hope to frustrate you into accepting a lower settlement.
  2. Misrepresenting policy coverage: Be cautious of insurance representatives who claim your policy doesn’t cover certain damages. Insurance policies can be complex and difficult to understand, so it’s important to review your policy carefully and ask for clarification if necessary. If an insurance representative is misrepresenting your policy, they may be attempting to reduce the amount of compensation you’re entitled to receive.
  3. Pressuring claimants to accept low settlements: Insurers may try to pressure you into accepting an inadequate settlement by presenting it as a “one-time offer.” They may claim that the settlement is the best they can do, even if it’s far less than what you’re entitled to receive. It’s important to remember that you’re not obligated to accept any settlement offer, and that you have the right to negotiate for a fair settlement.
  4. Discrediting claimants’ injuries or liability claims: Insurance companies may attempt to discredit your injury claims or argue that you share more responsibility for the accident than you actually do. They may hire investigators to follow you or try to dig up dirt on your past. They may also use various tactics to convince you that your injuries aren’t as severe as you claim. It’s important to have an experienced personal injury attorney on your side who can help you fight back against these tactics.

If you suspect that an insurance company is using any of these tactics, it’s important to seek legal representation right away. An experienced personal injury attorney like Scott Cohen and Thomas Sinowski at Cohen & Sinowski can help you navigate the complex claim process and protect your rights, ensuring that you receive fair compensation for your injuries. Don’t let insurance companies intimidate you into accepting less than you deserve. Contact Cohen & Sinowski for a free consultation and let them fight for your rights.

The Importance of Legal Representation in Personal Injury Claims

A personal injury attorney is an invaluable asset when dealing with the intricacies of the claim process and ensuring that your rights are protected throughout the ordeal. They have the knowledge and expertise to help you receive fair compensation for your injuries. Attorneys like Scott Cohen and Thomas Sinowski at Cohen & Sinowski possess the experience and skills necessary to effectively negotiate with insurance companies on your behalf.

Additionally, personal injury attorneys can assist you in gathering crucial evidence to strengthen your case, such as medical records, witness statements, and expert testimonies, as well as help you avoid any pitfalls that may jeopardize your claim. They can also explain the legal aspects of your case in layman’s terms, allowing you to make informed decisions about your claim.

Furthermore, personal injury attorneys understand the importance of emotional support during this challenging time. They can provide empathy and guidance as you navigate the physical, emotional, and financial repercussions of your injury, advocating for your best interests every step of the way.

By hiring an attorney like those at Cohen & Sinowski, you not only increase your chances of maximizing your compensation, but you also gain a trusted advocate who is dedicated to achieving a favorable outcome for your case. Their expertise and commitment to their clients make them a formidable team in the realm of personal injury law.

Understanding the evaluation process for personal injury claims in Georgia is crucial to protect your rights and secure the compensation you deserve. To ensure the best possible outcome for your personal injury claim, reach out to Cohen & Sinowski for a free consultation. With their no-fee-unless-we-win policy, you can confidently pursue your case with experienced and passionate legal representation. Contact them at 404-351-8888, send an email to or visit their website at Remember, #localmatters when choosing your legal team.

Cohen & Sinowski

The personal injury attorneys of Cohen & Sinowski are
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