1st Choice Advantage Insurance Company

Last reviewed: September 2026

If you were hurt in a crash caused by a driver insured by 1st Choice Advantage Insurance Company, Inc., your injury and property damage claims will generally run through that company. Getting the claim properly reported and documented early is the most important thing you can do to protect it.

Step 1: Confirm the Insurer and Policy Information

Check the Georgia crash report for the at-fault driver’s insurance company and policy number. Make sure the company name matches exactly. Nonstandard auto policies are often sold through agencies under a different name than the company that actually issues the policy, and the issuing company is the one that must be notified.

Step 2: Give Written Notice of Your Claim

Send written notice of your claim to the insurer as soon as possible, and keep proof of when and how it was sent. Written notice creates a record that the company knew about your claim, which matters if there is later a dispute about coverage or delay. Our page on providing notice of a claim explains what to include.

Step 3: Be Careful With Adjusters and Recorded Statements

You are not required to give the at-fault driver’s insurance company a recorded statement. Adjusters may ask about your injuries, your medical history, or how the crash happened in ways that are later used to reduce your claim. It is usually wise to speak with a lawyer first. Do not sign a release or accept a settlement check until you understand your injuries and what your claim is worth.

Step 4: Notify Your Own Insurance Company

Report the crash to your own insurer as well. If the at-fault driver’s coverage is low, is denied, or is delayed, your own uninsured/underinsured motorist (UM) coverage may pay. Georgia UM claims have specific notice and service requirements, so they should be handled carefully from the start. Learn more about uninsured motorist coverage in Georgia.

What Clients Commonly Experience

People who come to us after crashes involving smaller, nonstandard auto insurers often tell us they have had trouble reaching an adjuster, getting a claim number, or getting a decision on property damage. If that happens to you, keep a log of every call and letter, and put your requests in writing. A lawyer can press the claim, document the insurer’s handling, and look for other sources of recovery.

If the Insurer’s Financial Status Changes

If any auto insurer is declared insolvent and placed in liquidation, covered claims against its policyholders may be handled through the Georgia Insurers Insolvency Pool, subject to limits and filing deadlines. Your own UM coverage may also apply. We can check the insurer’s current status as part of reviewing your claim.

Frequently Asked Questions

How long do I have to file an injury claim in Georgia?

Most car accident injury claims must be filed in court within two years of the crash, and property damage claims within four years. Other deadlines, such as notice requirements, can be much shorter.

The adjuster isn’t returning my calls. What should I do?

Put your claim and your questions in writing, keep copies, and note every attempt to reach the company. If the delay continues, talk with a lawyer about your options, including a claim under your own coverage.

How much coverage does the at-fault driver have?

Georgia’s minimum is $25,000 per person for bodily injury, and many drivers carry only that amount. See how much insurance is available for a car accident claim.

Do I need a lawyer to deal with the insurance company?

Not always, but a lawyer can help if you were injured, if the insurer is slow to respond, or if coverage is limited or disputed.

Related Resources

• Dealing with the at-fault driver’s insurance company in Georgia
• Macon car accident lawyer
• Macon personal injury lawyer