I often get calls from people who have been in an accident, and frequently they call because the other driver’s insurance company wants to record a statement, and they are not sure whether or not they should provide a recorded statement. Whether or not to provide a recorded statement is one of the most frequently asked questions I get, and the answer is important as well, which is why I decided to write this article to help shed light on recorded statements.
Oh, and the answer to the question of whether or not you should give a recorded statement: NO! You should not! Read on and I’ll tell you exactly why.
To clarify, there is really only one circumstance when we advise our clients to offer a recorded statement, which is when your own insurance company is asking for a statement. Generally speaking, cooperating with your own insurance company is something you should strive to do. However, cooperating with the other driver’s insurance company is a different story. There is really no legitimate reason to offer a statement, recorded or otherwise, to the other driver’s insurance company. In fact, there are many reason’s not to. The benefits to providing a statement are negligible, but the drawbacks and pitfalls can be devastating.
Insurance companies make money by denying claims, or reducing their value as much as possible. Therefore, to reduce the claims they pay, insurance companies must deny claims, either in whole or in part. To do this, insurance adjusters will look for reasons to either deny, or devalue any insurance claim they can. A recorded statement provides the insurance company with a lot of information, much of which they will try to use against you to deny or devalue your claim.
Basically, there are three important things you need to understand about providing recorded statements to the other driver’s insurance company:
Will Giving a Recorded Statement Help My Case?
No. But this won’t stop an adjuster from telling you that providing a statement will help your case. If the adjuster tells you this, he or she is not telling you the truth.
The bottom line is that it is almost never in your best interest to provide a recorded or written statement to an opposing insurance company. The insurance company may tell you that you MUST give them a statement, or that a statement is required before they can process your claim – these statements are NOT TRUE. There is currently not a single state in the U.S. that requires a person to provide a recorded statement to an opposing insurance company. In some states, however, there may be a requirement to cooperate with your OWN insurance company, which you should do anyhow.
If you have been involved in an accident, and have questions about how to deal with the insurance company, we would be happy to answer your questions for you. We offer a FREE consultation with an experienced injury attorney. You can request a consultation on our website, or by calling (210) 593-8709.