If you've been in an auto accident, you know that dealing with insurance companies can be a hassle. Making recorded statements can hurt your ability to be fairly compensated. It's important to always be careful when talking with insurance adjusters.
After you file an insurance claim, an insurance claim adjuster will usually call you within a few days to verify information related to your claim. Adjusters are paid to help the insurance company, so it is always our suggestion that you ask to NOT be recorded at the beginning of the phone call. In addition, only provide basic information, such as your name, phone number, and address.
Providing more than your basic information to an insurance claim adjuster is not legally required.
Simply tell the adjuster you decline to provide any details about your injury now but will consult with your attorney. If your case ends up going to court, you will have to give a statement at that point. The adjuster is attempting to minimize the money the insurance company will pay you for damages by seeking conflicting information regarding your injuries.
Certain clarification questions and statements asked during a recorded statement can be, "Did you ever have pain before the accident?" or "Thank goodness your injury wasn't that bad." Answering those questions during a recorded statement could negatively impact your ability to financially recover for your accident.
It is always our suggestion to never give a recorded statement without talking to your attorney first. Preparing your statement, sticking to the facts, and only giving relevant information will help you immensely in your ability to be rightly compensated. Do not be tricked into hurting your own case.