Should I Give a Recorded Statement to the Insurance Company?

The insurance adjuster calls and asks for a "recorded statement." They say it's routine, just to get the facts. Should you do it? In most cases, NO.

Why They Want a Statement

Insurance companies aren't trying to help you. They're looking for reasons to deny or reduce your claim. A recorded statement gives them ammunition.

How Statements Are Used Against You

• Inconsistencies with later statements (normal memory variations become "lies")
• Admissions that you "feel fine" (before injuries fully manifest)
• Details that suggest you were at fault
• Statements about pre-existing conditions

Your Rights

You are NOT required to give a recorded statement to the at-fault driver's insurance company. You may need to cooperate with YOUR insurance company depending on your policy, but even then, having a lawyer present is wise.