When an insurance company asks for a recorded statement, get a lawyer first. The adjuster’s questions are often scripted to get you to say things the company can later use to reduce or deny your claim, and you should never let yourself be recorded without your lawyer present.
The question might be casually dropped during a phone conversation with someone from an insurance company about your claim: “If it’s okay with you, I’m going to record this conversation” or “Just to make sure I don’t miss anything, I’m going to record this conversation.” It might seem reasonable to you at the time; after all, it’s hard to take detailed notes and isn’t it important that the insurance company has all of the information it needs to process your claim?
Recorded Statement Questions an Adjuster May Ask
In that seemingly innocent request to record, there are traps for the unwary. You should never allow yourself to be recorded by an insurance company unless you have your lawyer present. You never have to give the other driver’s insurance company a recorded statement at all. Your own auto policy may require you to cooperate with your insurer’s investigation, which is one more reason to have your lawyer with you.
Why? Because many times, the insurance company representative will ask you questions that are scripted and designed by the company to get you to say things that the company can later use to reduce or refuse your claim. The questions won’t be obvious ones either; you won’t be asked, “So you’re not really injured all that badly, are you?” But you might be asked about:
- Pre-existing medical conditions
- Details of the crash that could be used to suggest you were to blame for your injuries
- What activities you’ve engaged in since the crash
Or other things that could provide the insurance company with ammunition to support their decision to reduce your recovery, or refuse your claim entirely.
A personal injury lawyer will be able to spot those questions and help you respond to them in a way that protects you against the insurance company misusing your responses. Marlo Greer talks more about this in her TikTok; check it out here.
Related Reading
- Should You Give an Insurance Recorded Statement?
- How Social Media Can Affect a Personal Injury Claim
- Who Pays Medical Bills After a Colorado Car Crash?
Preparing for an Insurance Interview
At Greer Law Group, we are dedicated personal injury lawyers. Our cases have us in daily contact with insurance companies and their lawyers, and we know all of their sneaky tactics and their dirty secrets. When insurers want a recorded statement, we’ll be by your side to make sure the questions are fair and that you understand what’s being asked and why before you respond.
If you’ve been seriously or permanently injured in a crash, or due to medical malpractice, or because someone has deliberately or negligently harmed you, Greer Law Group can help. Call us today at 303-331-6460 or use our contact form to schedule a free, confidential consultation.
