After a car accident, you may hear from the at-fault partyâ€™s insurance adjuster. They will likely ask you to make a recorded statement about the accident. Itâ€™s important to handle this call with care, and do your best to avoid giving them unnecessary information. Hereâ€™s what you should know about making recorded statements.
The insurance company wants to settle their claim as cheaply as possible
Insurance companies have a vested interest in paying as little as possible. They often try to get parties to make statements which would lessen their own liability. For example, they might ask details about how the accident happened, then argue that you were also negligent.
You will probably get a call from an adjuster within days of the accident. The adjuster hopes to reach a quick settlement, before you realize what your claim is worth. Avoid the temptation to agree to their first offer, just to get it over with: call a personal injury attorney first.
How to handle insurance calls
If an insurance adjuster calls, stay polite and give only basic information like your full name, address and phone number. Avoid describing the accident or your injuries. This can be tough, especially if youâ€™re still scared and angry, but the adjuster will use what you say to imply you were at fault.
Do not agree to have your statement recorded. You are not legally obligated to make a recorded statement, and it typically will work against you.
Finally, if you have already retained an attorney, let the adjuster know that you have representation. Give them your lawyerâ€™s contact information and tell them that your lawyer will be handling the case now. If you donâ€™t have an attorney yet, simply tell the adjuster you will not be going into detail about the accident over the phone. Then seek legal representation.
If youâ€™ve been injured in an accident, the seasoned Bradenton, FL personal injury lawyers at Goldman, Babboni, Fernandez, Murphy & Walsh can help. Call today for a consultation.