When you file a car accident claim with an insurance provider, you may be asked to give them a recorded statement. This statement is the interview you will have with a claims adjuster after a car crash. During this interview, the adjuster will ask questions regarding the accident and your injuries. But, before you agree to give them a recorded statement, you should consult a houston car accident attorney first to make sure you don’t end up saying something that can be used against you later.
What Will an Insurance Adjuster Do with Your Recorded Statement?
Keep in mind that when an adjuster asks you to give a recorded statement, they want to find fault in you, so they can reduce your payout. And when they can blame you for the crash, they may deny your claim.
In addition, if the adjuster cannot find fault in you, they will look for errors in your statement that contradict your accident’s facts. Thus, when the insurance company has a recorded statement from you, it will use it to its advantage and decide your claim based on it.
Why You Should Avoid Giving a Recorded Statement
Giving an adjuster a recorded statement is not a good idea because of the following reasons:
- You still do not know the extent of your injuries. If you were in a car accident, the adrenaline surge can mask your symptoms and injuries for hours or days. But, the insurance company will want to settle your claim quickly to avoid a lengthy process. Because of this, you may get a call from an insurance adjuster within 24 hours of the crash to ask you to give them a statement about your accident and injuries. However, at this stage, the extent of your injuries may still be unknown and you could give information that can stop you from pursuing compensation that covers all your losses.
- The adjuster will compare your statements with your previous statements. After the car accident, you probably give statements to the police while you are in a state of shock. Once you pursue a lawsuit later, you will provide the opposing counsel with a deposition regarding the crash and events that surrounded it. Also, you will give statements to the insurance company of the at-fault party. An insurance adjuster can compare these statements to find inconsistencies that could hurt your case. If you have an attorney on your side, they can give statements on your behalf ensuring consistency and accuracy of the information they give.