A few days after a crash, the phone rings. It is an adjuster for the other driver’s insurer, they are friendly, and they would like to record your account of what happened. It sounds routine, and for them it is.
What the recording is for
A recorded statement becomes part of the claim file. Later, if your account changes in any detail, such as a speed, a distance, or whether your neck hurt that day, the recording can be set beside it. In the first week, most people are still sore, still sorting out the car, and still learning how badly they were hurt.
What you can say instead
- That you will give the basic facts, but not a recorded statement for now.
- That you would like their questions in writing.
- That you are still being seen by a doctor and do not know the extent of your injuries.
- That you will call back after you have had advice.
Your own insurer is different. Your policy usually requires you to cooperate with them, and that can include a statement. Even then, it is fine to ask what it will be used for and to answer only what you actually know.
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