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Insurance Company Recorded Statements

Injured man filing insurance claim

After a car accident, it is likely that an insurance company will try to contact you about giving a recorded statement. If this request is made by your own insurance company, it is likely that you are contractually obligated to comply with the request. If not, you risk losing access to your benefits. If it is an insurance company for another party to the accident, there is likely no reason to agree to give them a recorded statement. It is likely to be a mere fishing expedition to try and gather something to use against you so that any claim you bring can be denied or devalued. 

What exactly is a recorded statement? Why would an insurance company request a recorded statement? What happens during a recorded statement? We’ll answer these questions and more here.

Insurance Company Recorded Statements

Insurance companies use recorded statements as a means to gather information about an accident, who was involved in the accident, what happened in the accident, and what injuries and other damages were sustained in an accident. In other words, the insurance company is exploring potential liability issues and what their obligation to pay out on potential claims may be. 

An insurance company will likely try to exploit any statements you make during a recorded statement. It can be shocking how they will try to twist even the most seemingly innocent statements to use against you and undermine a claim. Proceed with extreme caution should you need to comply with an insurance company’s recorded statement request. This is true even when it is your own insurance company. After all, an insurance company is a business and will take every possible step to try to protect its bottom line.

The recorded statement is likely to be conducted by an insurance adjuster who will call you. These things usually kick off with questions about your basic identifying information. What is your name? What is your address? What is your birthday? That sort of thing. The line of questioning will then usually move on to the accident itself. An adjuster will likely want details as to how the accident occurred and what happened after the accident. Additionally, it is likely that the adjuster will want to know about the nature and extent of any injuries you may have sustained in the accident as well as any medical treatment you may have received for these injuries.

Beware of questions beyond gathering your basic identifying information. As previously stated, even the most seemingly innocent statements can be twisted around to serve the insurance company’s purposes. Only answer the question that has been asked and keep your answers brief and to the point. If you do not understand a question, ask for clarification. If you are unsure of the answer to a question, say you do not know. Avoid speculation at all costs. Do not try to guess an answer. 

Personal Injury Attorney

Before agreeing to a recorded statement, talk to attorney Michael LoGiudice. He can work with you to help ensure you are protecting yourself and your right to pursue full and fair compensation for your accident injuries. Contact us today.

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