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Car accident and Insurance Company

If you have been in a car accident that was not your fault and you sustained injuries in the car accident one of the first things that the other driver’sinsurance companywill probably ask you to do after the car accident is to make a recorded statement. This may seem okay, but is it a good idea?

Before making any type of recorded statement there are several things that you should know and understand. The reason why the other driver’s insurance company wants you to make a recorded statement is so they can undermine your car accident claim and have something to use against you. Their purpose is either to have your car accident claim denied or to limit the amount given as a personal injury settlement for your car accident claim.

Do not be fooled by insurance company adjusters and employees who seem to be so cordial, polite and friendly. They have been well-trained. They are not on your  side. They are working against you, not for you.

Insurance companies may try to put a lot of pressure on you to make a recorded statement. They may tell you things like the accident investigation cannot move forward  without your recorded statement.

This is not true. They get a car accident report from the police, they have their client’s recorded statement and they can get your verbal statement. These things are enough for them to decide who is at fault for the car accident.

Verbal Statement and Recorded Statement

You may say, “Isn’t a verbal statement the same thing as a recorded statement. The answer is, “No,” they are not the same. A verbal statement is not recorded. A recorded statement is much easier to use against you in court than a verbal statement.

Most car accident attorneys will advise you not to give a recorded statement to the other driver’s insurance company under any circumstances.  If for some reason you decide to make a recorded statement, you should always have your car accident attorney present, or you should tell the other insurance company that you will give a recorded statement to your own insurance company. Even then, you should be extremely careful in giving a recorded statement to your own insurance company when a copy of it will be given to the other insurance company. The other driver’s insurance company can still try to use this against you in court.

Your insurance company may tell you that you have to give them a recorded statement because there is a “duty to cooperate” clause in your insurance. However, while you are obligated to cooperate, in most policies that does not mean that you have to make a recorded statement.

Other questions you may following a car accident

You may have other questions about making a recorded statement and whether you should give one for the car accident in which you were injured and not at fault. If you have been injured in a car accident from the negligence of another driver, contact a car accident lawyer. Car accident lawyers can review your insurance policy and give you the best possible advice concerning a recorded statement, and they will help get you the best settlement that is possible for your car accident  injuries.