After a motor vehicle accident it is quite common for insurance adjusters to request recorded statements from the parties involved. A very common question asked by accident victims is whether or not they should give a recorded statement to the adjuster. My advice is a resounding “No”; at least not before you have spoken with an attorney regarding the specific facts and circumstances surrounding your motor vehicle accident.
You are under no legal obligation to provide a recorded or written statement to an insurance company after your accident.
Insurance adjusters often say that failure to give such a statement will delay in the processing of your claim. However, that is simply a ploy for them to try to get information from you that may allow them to disclaim coverage or at least further delay payment of your claim. Claim adjusters are skilled professionals who may craft questions in such a way to elicit a desired response from you. They may be able to use your innocent words against you or twist them to fit their desired legal defenses.
When asked by an adjuster to give a recorded or written statement we recommend that you politely decline and contact an accident lawyer to discuss your case and secure advice.