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Are You Required to Provide a Recorded Statement to an Insurance Company?

insurance statement

When you get hurt in a car collision or other type of accident, everyone seems to have questions. Your insurance company wants to know what happened, the police need your side of the story, and even the other party’s insurance company might be calling you. In all this confusion, it’s easy to say the wrong thing or accidentally say something that hurts your personal injury claim. If you’ve been asked to provide a recorded statement, know your rights and what is best for your case.

Looking for help with your personal injury case? Call Ron Aslam Law Office at 502-581-1676 to schedule a consultation now.


Who’s Asking for the Statement?

First, you have to consider who is asking for the recorded statement. In most cases, it’s the other party’s insurance company. If that’s the case, you have to remember that they are not acting in your best interest. Their goal is to protect their client and themselves from financial damage.

No matter how nice they might seem, don’t expect them to do what will help you get the most compensation. In this situation, you should not provide a recorded statement unless directed to do so by your own attorney. There is no law requiring you to do so.

Now the situation is a little different if the request is coming from your own insurance company. It is less likely for this to happen, but it does sometimes occur. If they ask this of you, you likely have to comply. When you signed your auto insurance policy, you likely agreed to a clause requiring you to help with investigations of your claims. If you refuse to provide a recorded statement, you could be dropped from your insurance.

How Will They Use the Statement?

If your insurance company is asking for a statement, it is likely just for their own basic investigation and records. It’s unlikely that anything underhanded will be done with it. The same cannot be said if you provide a recorded statement to the other party’s insurance company. In this scenario, expect them to look for every possible inconsistency.

If you told them something on one call and then changed the story slightly during the recorded statement, they will bring that up. If your story changes, even in an unimportant way, between your company and the other insurance company, they will wonder if you’re telling the truth.

The bottom line is that the other party’s insurance company will do nothing good with your statement. The very best outcome for you is that they don’t find anything damning, in which case your statement doesn’t harm or help you.

What You Should Do Instead

Instead of going through your story a dozen times with the insurance company and stressing about getting all the details right, spend your time hiring a personal injury attorney. No matter how careful you are or how truly injured you are, you can’t expect fair treatment from the other party’s insurance company. The only person who will fight for your right to compensation is your attorney.

Your attorney will take over communication with the other party’s insurance company, giving you some room to breathe and letting you focus on healing. As they investigate your accident and learn more about your injuries, they’ll get an idea of how much your claim is worth. They will use that information to demand a fair settlement from the insurance company, negotiate on your behalf, and try to secure a full and fair settlement.

If the other party’s insurance company refuses to offer a fair amount, your attorney will prepare your case for court. However, this is a rare outcome—most personal injury cases are settled out of court.

Turn to Ron Aslam Law Office

If you or someone you love has been hurt in an accident, you need to talk about your claim with a personal injury attorney. At Ron Aslam Law Office, we focus on helping each and every client build the strongest case possible. We know how hard the insurance companies work to deny you the compensation you deserve. Take the first step now by calling us at 502-581-1676 or contacting us online.