If you were injured in a car accident in California, the other driver’s insurance company may contact you soon after the crash. The adjuster may ask you to give a recorded statement about what happened.
Even if the adjuster sounds helpful or friendly, remember that they represent the insurance company, not you. What you say could affect how the insurer evaluates your claim.
Do you have to give a recorded statement?
Generally, you do not have to provide a recorded statement to the other driver’s insurance company simply because the adjuster asks for one.
The insurer may want your statement to clarify details about the accident, your injuries or the events leading up to the crash. However, you should think carefully before agreeing to a recorded interview, particularly if you are still receiving medical treatment or do not fully understand the extent of your injuries.
You can politely tell the adjuster that you are not prepared to provide a recorded statement at that time.
What should you do when the insurer calls?
You can take a few simple steps to protect your interests:
- Ask for the adjuster’s name, insurance company and claim number.
- Avoid discussing fault or speculating about what caused the accident.
- Do not guess when answering questions. If you do not know or remember something, say so.
- Do not minimize your injuries, especially if you are still being evaluated by a medical provider.
- Do not agree to a recorded statement before considering your legal options.
- Keep copies of correspondence and other information you receive from the insurer.
You should also avoid making statements such as, “I’m fine,” if you are experiencing pain or other symptoms. Some injuries may not become apparent immediately after a collision.
Consider speaking with a California car accident lawyer
An insurance adjuster may ask questions that seem routine, but your answers can become part of the insurer’s evaluation of your claim. Before giving a recorded statement, consider speaking with a California car accident attorney who can explain your options and communicate with the insurance company on your behalf.
If you have already given a statement, do not assume that you have lost your right to pursue compensation. An attorney can review what you said and help you determine what steps to take next.
After an accident, you deserve an opportunity to understand your rights before making statements that could affect your claim.