If you file a personal injury claim, you are likely to get phone calls from the insurance adjuster asking you to give a recorded statement. You should NOT provide the insurance adjuster a recorded statement without first talking with a lawyer.
Why Should I Not Give a Recorded Statement to an Insurance Adjuster?
The insurance company may cherry pick from your recorded statement to twist your words or take them out of context so they can use your own words against you. The adjuster’s job is to find ways to minimize the amount of money the insurance company has to pay you for your injuries. If you give a recorded statement, you may give the adjuster ammunition to justify reducing or denying your claim.
What Should I Say When an Insurance Adjuster Calls Asking for a Recorded Statement?
Politely refuse to give permission for the adjuster to record the phone call. Do not provide any information over the phone. Be professional and stay calm, no matter how insistent the adjuster becomes. Just decline the recorded statement with one of the comments below, then disconnect the call. Here are some things you can say to the adjuster:
- “No, I do not give my permission for you to record this phone call.”
- “I decline to give any statement at this time.”
- “Please give me your name and contact information so I may return you call after I speak with my lawyer.”
Please also see our post on what not to say to the adjuster.
Can the Insurance Adjuster Deny My Claim If I Do Not Give a Recorded Statement?
No, but the insurance company does need to investigate the accident. The adjuster may be entitled to certain evidence and documents, but before you provide any statements or documents to the insurer, please check with your lawyer first.
What Are My Options When It Comes to Talking with an Insurance Adjuster?
The best option is to consult your lawyer prior to giving a statement or turning over documents. Your lawyer can guide you prior to giving the statement, and even handle communications with the insurance company for you.
So if the insurance company is calling you and asking for a recorded statement or other information, speak with a lawyer. Only talk with the adjuster or anyone else from the insurance company if your lawyer clears it. You have nothing to gain and everything to lose if you give the insurance adjuster a recorded statement.
The Law Office of Jason R. Schultz, PC will evaluate your personal injury claim at no cost to you. Call us at 404-474-0804 to set up your free consultation.