If you have had an accident in recent months, the at-fault party’s insurance claims adjuster may ask you for a recorded statement. In most cases, the insurance company will call you over the phone after you have filed your claim to take your statement.
When you give a statement, it can expedite the investigation resolve your settlement claim that much faster. However, because statements become part of the legal record, they can ultimately hurt your claim.
Recorded Statements: Why Do Adjusters Want Them?
When the adjuster considers your version of the events that caused your injury, they will look for inconsistencies in your story. The adjuster will examine your information and their client’s. They will also consider the accounts from police and witnesses to build a congruent report for the claim.
Remember that insurance companies are running a business. To the insurance adjuster, you are just another name and he or she will handle hundreds of cases every year. In many situations, a claims adjuster will often use these statements to deny the victim’s injury claim. They want the victim to say something that will hurt their chances of receiving compensation. Instead of giving a recorded statement, you can decline and say that you will provide a written statement instead. Then, hire a car accident lawyer Minneapolis MN trusts who can review your statement before you submit it.
Why Do We Advise Against Recorded Statements?
We do not recommend recorded statements because you can accidentally say something that will be used to weaken your case. Remember: adjusters are experts at getting you to say something that will lessen your chances at receiving compensation. They can also lead you to say something that can lower the settlement amount for your claim.
We guide our clients through the process of filing a claim. Our attorneys also make sure that the adjuster does not ask irrelevant questions intended to trip up our clients.
The Process of a Recorded Statement
After the claim has been filed, the insurance adjuster will call you. He or she will ask your permission to record your statement. While the adjuster will mostly let you speak without interruption, he or she may try to clarify with questions. They may also try to trick you. A sly adjuster will ask questions that are intended to weaken your claim.
If you’d like to learn more about providing your statements after an accident, give us a call.
Thanks to our friends and contributors from Johnston | Martineau PLLP for their insight car accident cases.