After a day or two after you have been in a car accident that is not your fault, an insurance adjuster for the person who hit you calls you on the phone. The adjuster wants a recorded statement from you telling how the accident occurred. Ask yourself one question: Do you record conversations with your friends?
Generally, you should not agree to give a recorded statement about a car accident to any insurance adjuster without consulting with an attorney first. It also is not recommended to give an oral statement, either. The reason for this is easy to understand if you think of it from the insurance company’s perspective. The auto insurance company exists to make money for its investors. Every dollar it pays for a claim is a dollar less than the insurance company has for its bottom line. It is the job of all insurance companies to reduce what they pay in claims.
A recorded statement is a good way for the insurance company to reduce or deny your claim. Here is why:
For these reasons, you should not give a recorded statement to any insurance adjuster unless you have talked to your attorney first.
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