The short answer
You can give the other driver's insurer basic facts — your name, contact information and the date and place of the crash — but you generally don't have to give them a recorded statement. Their adjuster's job is to limit what the company pays, so it's wise to get advice before discussing injuries, fault or a settlement.
Key Georgia facts
- Georgia reduces your recovery by your percentage of fault, and you recover nothing at 50% or more (O.C.G.A. § 51-12-33).
- Statements like 'I'm fine' or 'I didn't see them' are often used to argue fault or minimize injuries.
- Your own insurance policy may require you to cooperate with your insurer — that's different from the other driver's company.
Why they call so fast
Adjusters often reach out within a day or two, while you're still sore, busy and unsure how serious your injuries are. A quick recorded statement or early offer can lock in a low value before your injuries are fully known.
What's okay to say
Your name and contact information, the date and location of the accident, and the name of your insurance company. You can politely say you're not ready to give a statement.
What to avoid
Guessing about speed, distance or who caused it. Saying you're 'fine' or downplaying pain. Signing medical record releases or settlement papers. Accepting a check before you know the full cost of your treatment.
Let someone handle it for you
If you have injuries, an attorney can take over all communication with the insurance companies so you can focus on getting better.
Common questions
Is it illegal to refuse a recorded statement to the other insurer?
No. You generally have no obligation to give the other driver's insurer a recorded statement.
What if they offer me money right away?
Early offers usually come before the full cost of your injuries is known. Once you accept and sign a release, you typically can't ask for more.
This guide is general information about Georgia law as of the date above, not legal advice. Laws change and every situation is different — talk to a licensed Georgia attorney about your specific case. Auto Accident Connection is not a law firm.