{"id":7025,"date":"2026-11-03T13:09:43","date_gmt":"2026-11-03T13:09:43","guid":{"rendered":"https:\/\/www.tmaddenlaw.com\/guides\/truck-accident-lawyer-georgia\/trucking-company-insurance-adjuster-called-after-crash\/"},"modified":"2026-11-05T14:18:13","modified_gmt":"2026-11-05T14:18:13","slug":"trucking-company-insurance-adjuster-called-after-crash","status":"publish","type":"page","link":"https:\/\/www.tmaddenlaw.com\/guides\/truck-accident-lawyer-georgia\/trucking-company-insurance-adjuster-called-after-crash\/","title":{"rendered":"Trucking Company Insurance Adjuster: What to Say in Georgia"},"content":{"rendered":"\n
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Truck Accident Lawyer | Georgia<\/p>

Talking to a Trucking Company Insurance Adjuster? Know What to Say First<\/h1>

T. Madden & Associates, P.C. has helped people hurt in Georgia since 1999. Before you give a statement, talk with our team about what to say and what to hold back.<\/p>

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About T. Madden & Associates, P.C.<\/h2>\n

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By Terance Madden \u00b7 Published November 3, 2026<\/p>\n\n

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If a trucking company’s insurance adjuster has called you after a crash, stay polite, stick to facts you know, and don’t give a recorded statement or agree to anything on the first call. The adjuster works for the trucking company’s insurer. Your goal on that call is to protect your own position while you’re hurt and still sorting things out.<\/p>\n

This guide explains why the call is happening, what the adjuster wants, what to say and avoid, what to gather, and the Georgia deadlines that matter. It’s written for injured people and for family members helping someone recover from a truck crash.<\/p>\n

Why the Insurance Adjuster Is Calling So Soon After a Truck Crash<\/h2>\n

The adjuster is calling because the trucking company’s insurer has opened its own file on the crash and wants your account for it.<\/p>\n

The adjuster works for the insurer, not for you. Their job is to investigate the claim and manage what the insurer pays. Even a friendly voice is doing that job.<\/p>\n

Early contact is common.<\/p>\n

A call is not a decision. The adjuster hasn’t decided your claim, and you don’t have to answer every question on the spot. You can ask for time.<\/p>\n

Truck claims can also involve more than the driver. That’s one reason the company’s own records can matter.<\/p>\n\n

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If an adjuster has already called and you're hurt and unsure what to do, you don't have to sort it out alone; our team can talk it through with you in a free, confidential first consultation. Talk it through with our team — the first consultation is free, confidential, and carries no obligation.<\/p>

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What the Adjuster Is Trying to Accomplish<\/h2>\n

The adjuster is trying to collect facts, size up the claim, and often reach a settlement early.<\/p>\n

First, the adjuster wants facts for the file. Questions are often open-ended, such as “Walk me through what happened.” Your words become part of the insurer’s record, and they can be quoted back to you later.<\/p>\n

Second, the adjuster wants to value the claim. The insurer may try to put a number on your injuries before your doctors have finished evaluating you. An early number is often set before the full cost of your care is known.<\/p>\n

Third, medical bills become a central issue.<\/p>\n

Keep this in mind on every call. The adjuster’s questions serve the insurer’s file, and your answers should serve your own accurate record.<\/p>\n

How to Handle a Request for a Recorded Statement<\/h2>\n

You don’t have to give a recorded statement on the first call, and you can ask for time.<\/p>\n

Ask for a call-back. You can say, “I’m not able to discuss the accident right now. Please send me your name, the claim number, and a direct phone number, and I’ll call you back.”<\/p>\n

Know what a recording does. The adjuster may be recording to capture your exact words. A casual answer on tape can be used later, even if you meant something different.<\/p>\n

If you do speak, keep to what you know firsthand. That means the date, time, place, direction of travel, and what you saw and heard.<\/p>\n

Say “I don’t know” when you don’t know. Don’t guess at speeds, distances, or what the other driver was doing. A guess can become a stated fact in the file.<\/p>\n

Keep it short. Answer the question you were asked, then stop.<\/p>\n

What Not to Say to a Trucking Company’s Adjuster<\/h2>\n

Don’t say you’re fine, don’t guess, and don’t accept blame, even out of habit.<\/p>\n

Fault matters in Georgia. Under O.C.G.A. \u00a7 51-12-33<\/a>, the judge reduces the damages by the injured person’s percentage of fault. A person who is 50 percent or more responsible for the injury is not entitled to receive any damages. The fault question can decide a lot, so careful wording matters.<\/p>\n

Georgia also has a separate rule. Under O.C.G.A. \u00a7 51-11-7<\/a>, if you could have avoided the harm by using ordinary care, you are not entitled to recover. In other cases, the defendant is not relieved even if you contributed in some way. Your words about what you did or didn’t do can be used to argue this point.<\/p>\n

Here are the common mistakes to avoid:<\/p>\n