Should I Give A Recorded Statement?
Insurance companies are notorious for asking a million questions. Often, an insurance adjuster will ask for a recorded statement. If you know you are not at fault, you may think you have nothing to lose. However, this is not usually the case. Before giving a recorded statement to insurance, always consult with an attorney first.
The At-Fault Driver’s Insurance
Giving a recorded statement is not required to file a claim. The at-fault driver’s insurance company’s main mission is to prove their insured is not fully responsible for the accident. The insurance adjuster may pressure you to give a recorded statement.
The Real Reason For A Recorded Statement
Just remember, a recorded statement is never for your benefit. In a claim involving injury, a recorded statement is used to reduce the value of your claim. Should you offer a recorded statement? The answer may shock you.
Here are the pertinent facts regarding recorded statements—and if you should give one:
You are Under No Obligation
Insurance companies are known for their manipulative tactics. An adjuster might pressure you to give a recorded statement. Or, the adjuster may make it seem like the recorded statement is just a part of the normal claim process. They might tell you a recorded statement will speed up the process to cut you a check. Don’t fall for it. Always talk to an attorney first.
The truth is, a recorded statement might speed up the process because it will cement the insurance company’s ability to reject or reduce your claim.
You may feel coerced to provide a recorded statement regarding the accident but you DO NOT HAVE TO. In fact, you should not provide a recorded statement without first discussing it with a lawyer.
Why Insurance Wants A Recorded Statement
The at-fault driver’s insurance company is looking out for itself. It doesn’t care if their insured caused the crash or not. The company wants to reduce the amount of money it will pay out.
The recorded statement allows the company to scrutinize every word you say. They are listening for anything you say that might compromise your case.
They are interested in minimizing what the company will pay out. The adjuster will prompt you with questions to get you to say something to justify a lower settlement. This can include:
- insinuating your injuries are less severe
- you contributed to the accident (see comparative negligence)
- suggest their customer is a good driver
Protect Your Legal Rights
The other driver’s insurance representative is going to appear kind and that they care. They may offer a quick cash settlement that is not the true amount you deserve.
Team Working Against You
The insurance company has a team working to save the company as much money as possible. A team of trained analysts is seeking any way to reduce liability based on your statements. If the at-fault driver’s insurance company calls, tell them your lawyer will be contacting them. Then hang up. If you don’t already have a lawyer, call for a free consultation.
Hire A Personal Injury Attorney
Usually, the worst part of a car accident is dealing with insurance afterward. If you have been injured in a car crash that wasn’t your fault, a personal injury attorney can help you. Your attorney will handle communication with the insurance company on your behalf, protecting your legal rights and interests.
Trust An Experienced Attorney
Please remember that no one should give a recorded statement to either insurance company without first speaking with an attorney. The wording of your answers can make a huge difference in the money offered by the insurance companies for your claim. Trust an experienced injury attorney to get you the best possible results in your claim.
Haggerty & Silverman In Lancaster, PA
An experienced injury attorney at Haggerty & Silverman can make sure you get the best results for your claim. Contact us for a free consultation with an injury attorney.