Woman filling out insurance papers

What Do I Do If the Insurance Company Wants a Recorded Statement?

By David Hammond

After your insurance company or an insurance company for another party involved in an accident is notified of said accident, the phone calls are likely to begin. Insurance companies begin contacting claimants and potential claimants right away. They are on a mission to gather as much information about the accident and resulting injuries as possible. Be warned, however, that their motivations are far from altruistic. Insurance companies will begin immediately exploring any potential way to get out of paying on a claim totally or at least in part. One of the ways they try to gather information to support a loophole is through requesting and conducting a recorded statement. If you are asked by an insurance company to give a recorded statement, proceed with caution.

What Do I Do If the Insurance Company Wants a Recorded Statement?

After a crash, it is not uncommon for your insurance carrier and the insurance carrier for the at-fault party to request a recorded statement with you. The best course of action when you receive such a request is likely to be ignore it or outright deny it. The insurance carrier for the at-fault party will often request recorded statements from everyone involved in the accident, injury victims included. As previously stated, the main motivation of this insurance carrier is often, if not always, to use recorded statements as a means of finding some way to get out of paying on accident claims. They will even look for ways to blame you, the accident victim.

While you are under no obligation to provide the at-fault carrier with a recorded statement, you may have a contractual obligation to comply with a recorded statement request from your own insurance carrier. In that case, you would have a duty to cooperate with your insurance company. Refusing to comply with the request for a recorded statement, should it violate the terms of your contract with your insurance carrier, is likely to result in your carrier denying the payment of benefits.

During a recorded statement, a representative from the insurance carrier, likely to be an insurance adjuster, will call you and begin with questions relating to basic identifying information such as your name and birthdate as well as your address. The line of questioning is then likely to turn to details surrounding how the accident happened and any injuries you may have sustained in the accident. Be sure to only answer the question you were asked. Keep your answers as simple and direct as possible.

Saying as little as possible is usually best practice for recorded statements. Avoid speculating. If you do not understand a question, ask for clarification instead of trying to guess what was meant by it. If you do not know the answer to a question, simply say that you do not know the answer.

Syracuse Personal Injury Attorneys

Interactions with insurance companies can be stressful. This can be especially true if your right to full and fair compensation for accident injuries is at stake. The team at CDH Law is not intimidated by insurance companies. We stand up to them to fight for our clients. Contact us today.

About the Author
David is a former military prosecutor and defense lawyer with over a decade of experience fighting for service members and their families. He served nine years and two combat tours as an active duty US Army officer, then joined the Reserves and settled down in Syracuse to be near family. Now representing people across Central New York charged with serious felonies, misdemeanors, DWIs, and traffic offenses, he puts the same level of commitment into his civilian law practice. If you have any questions regarding this article, you can contact David here.