Following a motor vehicle accident that leaves you with severe injuries, insurance companies may request a recorded statement from you. While you might feel inclined to comply, it is crucial to think twice before you do so.
Giving a recorded statement can jeopardize your entire personal injury claim. Whenever possible, speak less with insurers, if not at all.
Insurance companies hope you make a mistake
Here are some reasons why you should never give a recorded testament to insurers or their adjusters:
- They prioritize their bottom line: In most cases, they aim to pay you as little as possible, not to help you get fair compensation for your injuries.
- They can use your words against you: They can take your words out of context or twist their meaning to deny or reduce your claim.
- You may not be thinking clearly: You may be in shock, stressed or medicated. This can affect your ability to answer questions accurately.
- You have no obligation to cooperate: Indiana law does not require you to provide an on-the-record interview, so do not feel pressured into doing so.
Insurance adjusters are well-trained in asking questions that may lead you to say something detrimental to your case. They might use friendly tactics to make you feel comfortable, but remember, they are looking out for their company’s best interests, not yours.
You might lose thousands of dollars in compensation
Indiana is a “modified comparative fault” state. Admitting fault without consulting a legal professional could lead to reduced compensation or even a complete denial.
For instance, if the insurance company uses your recorded statement to argue that you were 40% at fault for the accident, you may receive only 60% in damages. This may not sufficiently cover necessary medical treatments, lost wages during recovery, long-term care or rehabilitation.
Given the potential consequences, politely but firmly decline an insurer’s request for a recorded statement and inform them that you will obtain legal representation. This simple yet powerful move can ensure you receive the fair compensation you deserve rather than the minimal amount the insurer is willing to offer.
