Why they ask
A recorded statement gives the adjuster your account of the crash and your injuries, in your own words, on the record. It's often requested early, sometimes in the first call.
The risk
Things said early, before you know the full extent of your injuries, can be used later to question your claim. A quick "I'm fine" or a guess about speed or distance can come back up.
The 3-Point Claim Check
- 1
An injury
You were hurt, even if it didn't seem serious at first.
- 2
Someone else at fault
Another driver or company caused the crash.
- 3
Insurance coverage
There's a policy that may cover what happened.
Their insurer versus your own
You don't have a contract with the other driver's insurer, so you generally don't owe them a statement.
Your own policy is a contract. It may require you to report the accident and cooperate with your insurer's investigation. Read your policy or ask an attorney what it requires.
What to say instead
You can say: "I'm not ready to give a recorded statement. Please send any questions in writing." You can still share basic facts like your name, contact details and your insurance company.
If you've already given one
Don't panic. Write down what you remember saying, and ask for a copy of the recording. An attorney can tell you whether anything in it matters.