The Adjuster Who Called You Yesterday Is Not Your Friend.
David thought the insurance adjuster was trying to help him.
She was so understanding about his I-75 truck accident. She sympathized about his medical bills. She even apologized for how long the claim was taking. When she offered $18,000 to “make this whole ordeal go away,” it felt like relief.
Three months later, David discovered he needed $85,000 worth of back surgery.
The settlement was already signed. The case was closed forever.
That “helpful” adjuster had saved her company $67,000 by being nice to David while he was in pain and didn’t know better.
If an insurance adjuster has contacted you about your Georgia accident, here’s what they hope you never discover about their real job.
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They Know More Than You
Here’s the reality you’re facing after any serious accident in Georgia:
You’re overwhelmed. Medical bills are arriving daily. You’re in pain. Your car is wrecked. You’re missing work. You’re dealing with doctors, physical therapy, and trying to figure out if your injury is permanent.
The insurance adjuster is calm, professional, and sounds helpful. They offer to “settle this quickly so you can move on with your life.” They make it sound like they’re doing you a favor.
But here’s what they know that you don’t:
Exactly what cases like yours settle for
Which injuries are expensive and which are cheap
How to get you to say things that hurt your case
The psychological pressure points that make you settle for less
How much time you actually have before the legal deadlines
They’ve done this thousands of times. You’ve done it zero times.
The safety rule they’re violating
People injured by someone else’s negligence deserve fair compensation based on the full impact of their injuries โ not whatever amount the insurance company can trick them into accepting.
Why this matters to everyone
If insurance companies can systematically underpay injury victims through manipulation tactics, it eliminates the real consequences of causing accidents. That puts every Georgia driver and their family at risk.
The Playbook
The 8 Lowball Tactics They Use Against You
01
Tactic #1: The Rush Job Settlement
What they say:
“I can get you a check this week if you sign today.”
What they’re really doing:
Settling before you know the full extent of your injuries. If you haven’t reached maximum medical improvement, you’re gambling with your future health costs.
Why it works:
You’re under financial pressure and the money feels like relief.
The truth:
Once you sign that release, you can’t reopen your case when you discover you need surgery six months later.
02
Tactic #2: The “Friendly” Recorded Statement
What they say:
“I can get you a check this week if you sign today.”
What they’re really doing:
Getting you to minimize your injuries or admit partial fault while you’re still in pain and not thinking clearly.
Why it works:
It sounds like a simple formality. It’s actually a legal document designed to trap you.
The truth:
You’re not legally required to give a recorded statement to the other driver’s insurance company. Ever.
03
Tactic #3: The Medical Bill Challenge
What they say:
“Your treatment seems excessive for this type of injury.”
What they’re really doing:
Using their hired “independent” doctors to question every dollar of your medical care, even though these doctors never examined you.
Why it works:
You don’t know that their “expert” is paid to minimize your injuries.
The truth:
Your treating physician who actually examined you knows more about your injuries than their hired gun who only reviewed paperwork.
04
Tactic #4: The Pre-Existing Condition Blame Game
What they say:
“Your back problems existed before this accident.”
What they’re really doing:
Trying to blame your current pain on old injuries, even when the accident clearly made everything worse.
Why it works:
Most people don’t know Georgia’s “eggshell plaintiff” rule.
The truth:
Under Georgia law, if someone hurts you, they’re responsible for the full extent of the harm โ even if a pre-existing condition made you more vulnerable.
05
Tactic #5: The Social Media Spy Game
What they say:
“Nothing. They just watch your Facebook, Instagram, and Twitter accounts.”
What they’re really doing:
Looking for any photo or post they can take out of context to claim you’re not really injured.
Why it works:
You don’t realize they’re monitoring your social media activity.
The truth:
One photo of you smiling at a family dinner can be twisted to argue your injuries aren’t serious โ even if you were in agony the whole time.
06
Tactic #6: The Delay and Discourage Strategy
What they say:
“Your claim is still under review.”
What they’re really doing:
Stalling until financial pressure builds and you become desperate enough to accept their low offer.
Why it works:
Bills pile up, stress increases, and you want the uncertainty to end.
The truth:
Georgia law penalizes insurance companies for unreasonable delays. But you need an attorney to enforce those penalties.
07
Tactic #7: The “Final Offer” Lie
What they say:
“This is our final offer. Take it or leave it.”
What they’re really doing:
Creating fake urgency to pressure you into settling.
Why it works:
You think if you don’t accept immediately, the offer disappears forever.
The truth:
There’s no such thing as a “final offer” from an insurance company unless you’re approaching the statute of limitations deadline.
08
Tactic #8: The Bad Attorney Warning
What they say:
“I can get you a check this week if you sign today.”
What they’re really doing:
Settling before you know the full extent of your injuries. If you haven’t reached maximum medical improvement, you’re gambling with your future health costs.
Why it works:
You’re under financial pressure and the money feels like relief.
The truth:
Once you sign that release, you can’t reopen your case when you discover you need surgery six months later.
Your Plan
Three Steps to Fight Back
As your guide through this system designed to underpay you, here’s how to protect yourself:
01
Say Nothing Without Legal Counsel
Don’t give recorded statements. Don’t sign medical releases. Don’t discuss your injuries or the accident. Every word you say can and will be used to minimize your compensation.
02
Document Everything Thoroughly
Keep detailed records of your pain levels, activity limitations, and how the injuries affect your daily life. Take photos of your injuries. Save every medical bill and prescription receipt.
03
Get Expert Legal Guidance Before Making Any Decisions
Insurance companies offer what they hope you’ll accept, not what your case is worth. Before you make any permanent decisions, understand the real value of your claim.
How GLG Helps
How Gunn Law Group Levels the Playing Field
When you hire us, everything changes immediately:
No more pressure calls from adjusters.
All communication goes through our office. You can focus on healing instead of fighting with insurance companies.
We know what your case is actually worth.
Harrell Gunn has handled hundreds of Georgia injury cases. We know what similar cases settle for in Atlanta, Fulton County, Gwinnett County, and throughout Georgia.
We build comprehensive demand packages.
Not just your medical bills, but future medical needs, lost earning capacity, pain and suffering, and the full impact on your life. Insurance companies pay more for well-documented claims.
We’re prepared to file lawsuits when necessary.
Insurance companies know which attorneys are willing to take cases to trial and which ones settle everything quickly. We have a reputation for fighting when the numbers don’t make sense.
We use Georgia’s bad faith insurance laws.
When insurance companies cross the line from tough negotiation into outright bad faith, Georgia law provides penalties. We know how to use them.
Real Examples
What Changes When You Have Representation
The Rush Settlement
Without attorney
Accept $15,000 offer after 2 months
With GLG
Wait for complete medical evaluation, settle for $180,000 after discovering permanent injury
The Recorded Statement
Without attorney
Admit you were “maybe going a little fast”
With GLG
No recorded statement given, liability stays on the defendant
The Medical Bill Challenge
Without attorney
Accept their hired doctor’s opinion that treatment was excessive
With GLG
Present comprehensive medical narrative showing treatment was necessary and reasonable
The Pre-Existing Condition
Without attorney
Accept blame that prior back injury caused current problems
With GLG
Prove accident aggravated condition using eggshell plaintiff doctrine
Free Defense Guide
Get Your Free Insurance Tactics Defense Guide
Don’t let insurance companies use their playbook against you. Our free guide reveals exactly how to protect yourself from each lowball tactic.
We use Georgia’s bad faith insurance laws.
“8 Insurance Company Tricks & How to Beat Them: A Georgia Accident Victim’s Defense Guide”
This guide includes:
Word-for-word scripts for handling adjuster calls
What NEVER to say to insurance companies
How to document your injuries properly
Red flags that mean you’re being manipulated
When to walk away from settlement offers
Free consultation. We’ll review any settlement offers you’ve received and tell you honestly whether they’re fair.
Don’t Be Their Next Victim
The system works exactly as designed โ unless you know how to fight it.
Here’s what insurance companies are counting on: That you’ll be so overwhelmed by your injuries, medical bills, and stress that you’ll accept whatever they offer just to make it stop.
They’re counting on your desperation, not your intelligence.
That “helpful” adjuster isn’t trying to help you. They’re trying to close your claim for as little money as possible before you figure out what it’s really worth.
Call 888-BIG-GUNN (888-244-4866) right now.
Or download your professional guide: “How Insurance Companies Target Suburban Victims.”
Gunn Law Group โ Marietta Car Accident Lawyers Who Beat Suburban Games.
Atlanta Office
950 E. Paces Ferry Rd NE, Suite 1550, Atlanta, GA 30326
Norcross Office
5955 Jimmy Carter Blvd Ste 149, Norcross, GA 30093
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Disclaimer: No fee unless you win or collect” refers only to fees charged by the attorney. Court costs and other additional expenses of legal action usually must be paid by the client. Contingent fees are not permitted in all types of cases.
