Should You Give a Recorded Statement to an Insurance Company?

Insurers often request a recorded statement soon after an accident. Here is why caution can matter.

After an accident, an insurance adjuster may contact you and ask for a recorded statement. While it can seem routine, it is worth understanding how these statements may be used before you agree.

Why insurers ask for statements

Recorded statements give the insurer your account in your own words. Even innocent comments can later be characterized in ways that reduce a claim, particularly if you are still learning the extent of your injuries.

Things to keep in mind

• You are generally not required to give a recorded statement to another party's insurer
• The full extent of injuries may not be known early on
• Speculating about fault or injuries can be used against you
• You can consult a lawyer before agreeing to a statement

If you are unsure how to respond to an insurer's request, OAP Legal Group offers free consultations and can help you understand your options. This article is general information, not legal advice.