woman holding a cell phone with her arm in a cast.

How to Avoid the Insurance Company's Cruelest Trick

Why Recorded Statements Are Dangerous to Your Claim

In the insurance world, there is nothing more important to a claims adjuster than getting a recorded statement from you after an accident. That is why, even though they are not required by law to do so, most companies will attempt to get a recorded statement from you as soon after the accident as possible.

Here's what you need to know about this cruel trick and how it can hinder your progress and shift assigned fault in comparative negligence states.

What is a Recorded Statement?

A recorded statement is simply what it sounds like — a recording of you answering questions about the accident. The insurance company will use this recording to try and determine how much money they should pay on your claim or whether they should deny your claim altogether.

Why Are Recorded Statements Dangerous?

There are a few reasons why recorded statements can be dangerous to your claim. For example:

  • You may not be thinking clearly after an accident.
  • The insurance company will try to use your words against you.
  • The insurance adjuster will try to trip you up and get you to say something that they can use to deny your claim.

As you can tell, there are many dangers associated with recorded statements. That is why you should contact an attorney before giving one.

What Should You Do If the Insurance Company Wants to Take Your Recorded Statement?

The best answer is always to say no and contact an experienced personal injury attorney. An experienced attorney will know how to deal with the insurance company and can make sure that your rights are protected.

Insurance Company Threats

The insurance company may try to intimidate you into giving a recorded statement by telling you that they will not authorize a rental car or pay for your medical treatment unless you provide a recorded statement.

These are empty threats — the insurance company must pay for your reasonable and necessary medical treatment regardless of whether you give a recorded statement. The same goes for rental cars. They must pay for a rental car if your vehicle is not drivable after the accident.

Wrap Up: Insurance Company Tricks and Recorded Statements

Bottom line, do not be fooled by the insurance company's tricks. Simply say no to giving a recorded statement, and contact an experienced personal injury attorney who can help you with your claim.

At Kentucky Injury Law Center, our team of personal injury legal experts is here to help you every step of the way. Contact us today for a free consultation. We will fight to get you the compensation that you deserve.