Should I give a recorded statement to the insurance company?

Tape Recorder

Following an accident, it is not unusual to get a phone call from an insurance company representative within a few days. They are usually very friendly and polite. During the call, you might start to believe that the insurance adjuster or representative is really on your side. The adjuster or representative will make it seem like giving a recorded statement is just a formality and something that is needed in order to process your claim more quickly.

However, keep in mind that before providing your statement, you should at least speak with a Uniglicht, Bloom, Frackt & Kleinman personal injury attorney to understand your rights and avoid some of the common pitfalls. Depending on the type of accident that caused your injury, more than one insurance company may be involved in processing your claim. For example, in a car accident, both your insurance carrier and the other driver’s carrier may be involved.

Keep in mind that you are never obligated to provide a recorded statement to the at-fault party’s insurance company. However, if it’s your insurance carrier, your policy may obligate you to cooperate. If your insurance company is requesting the recorded statement, ask them to explain where your policy requires you to comply with their request. At a minimum, you should explain that you are uncomfortable with being recorded and ask whether it is truly necessary. If you are already working with a Uniglicht, Bloom, Frackt & Kleinman personal injury attorney, you can stipulate that you will only give the statement with your lawyer present.

Here are some of the mistakes to avoid when speaking to the insurance company:

  1. Avoid speculation. If you don’t know what happened or what caused the accident, telling that to the insurance company is an acceptable answer. Do not tell them what you think or assume what may have happened; and
  2. Do not provide extensive explanations. Answer only the questions asked and keep your answers brief and to the point. The less you say, the less likely it can be used against you.

A Uniglicht, Bloom, Frackt & Kleinman personal injury attorney can help you prepare your statement and can even speak on your behalf, relieving you of the anxiety this can cause. Give us a call today at 732-490-1777!

DISCLAIMER: The contents of this article were created to provide general information, it is not intended to create an attorney-client relationship and shall not be construed as legal advice. You should not act upon any information provided in this article without seeking professional legal counsel from an attorney licensed to practice law in your jurisdiction. No representations are being made as to the completeness or accuracy of the information contained in this article or on this site or sites linked hereto. If this pamphlet is inaccurate or misleading, report same to the Committee on Attorney Advertising, Hughes Justice Complex, CN 037, Trenton, NJ 08625. “No aspect of this advertisement has been approved by the Supreme Court of New Jersey.”
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