You’ve been called by the insurance adjuster who insists you give a recorded statement. He or she wants it now, insinuating that if you don’t your claim will be denied. Don’t do it; don’t fall for this trick, because postponing the recorded statement will not disqualify you from benefits. Notice I wrote “postpone” because you can’t flat out refuse to give a recorded statement and still get benefits from your own insurance company and from a practical standpoint from the at-fault party’s insurer.
Whatever you are doing when you get the call, listen, be polite and then ask for the adjuster’s work hours saying you’ll call back at a better time.
And if the asks why now it’s convenient, just say because I’m busy. The two of you aren’t friends or family, you have a business relationship, based upon an accident and an insurance claim. It is no more complicated than that.
So then what do you do?
Well, how about deciding on whether you want to hire a lawyer to help you? That might help, but if you are one of the stubborn people consider figuring out the rules governing liability and damages in your case. You have to understand liability and while you may not understand all your damages you do know something about them by now. Because I don’t what sort of case you have (automobile accident, being injured on someone’s property, motorcycle accident, bus accident, semi-truck accident, ATV, pedestrian, drunk-driver or workers’ compensation to list a few) I can’t really tell you how to analyze what issues the adjuster will think are important for you to discuss.
Nevertheless, you need to understand what’s involved with how to prove fault in a court of law. No, we don’t want to go to court, but the way not to go to court is to know what needs to be proven in order to avoid it.
FIVE BIG RECORDED STATEMENT MISTAKES
- Talking too much.
- Offering information.
- Not understanding the issues involved with proving liability.
- Not understanding the issues of your damage case.
- Not refreshing your memory about the facts and then guessing while trying to bluff your way through it.
Some of the biggest mistakes I see are staring me right in the face when I read a client’s recorded statement. Off-the-cuff comments made to lighten the situation or an attempt to make the adjuster like you usually do not help explain the situation. Keep in mind the adjuster is not there to help you, he/she is there to figure out a way to pay you nothing or very little. And so anytime the adjuster is being friendly, do not make the mistake of believing they are your friend.
Geico is one of the worst companies to deal with. So if there are the adjuster, you would be wise to hire a lawyer.
If Katrina or I can assist you with your serious personal injury claim, call the office and ask to speak with either of us.
More About Recorded Statements
- Do you have to give the insurance company's adjuster a recorded
- Should I give a recorded statement? | Lombardi Law Firm
- How to prepare for your recorded statement. | Lombardi Law Firm
- Insurance Practices: The injured person's recorded statement
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