Should I Give a Recorded Statement to the Insurance Company?
After a car accident, an insurance representative may ask you to give them a recorded statement. They may tell you that they just want to hear your side of the story, and they might assure you that this is not really a big deal. They might also tell you that this process is relatively standard and “normal” in the insurance industry. But should you really trust them? Should you give a recorded statement after a car accident in Florida?
What is a Recorded Statement After a Car Accident?
A recorded statement is exactly what it sounds like. During a recorded statement, a motorist explains their accident in detail. They might recall various moments before, during, and after the collision. They might also describe what they were doing before the accident.
While the motorist describes the crash, an insurance adjuster will likely question them and ask them various questions. They might ask you whether you were drinking before the crash, or whether you are required by law to wear eyeglasses while driving.
Do I Have to Provide a Recorded Statement?
There is no law in Florida that states you must provide a recorded statement to an insurance company. Even if your own insurance provider asks you for one of these statements, you are within your rights to say no. A recorded statement could help your insurance company investigate the crash, especially if you were not at fault.
The only real requirement is to report your accident to your own insurance provider. When making this report, you might need to provide the date, time, and location of your crash. If you do not feel comfortable providing any further information, you might want to speak with your lawyer before proceeding.
One thing is clear: You are under no obligation to provide a recorded statement or any other information to the other driver’s insurance company. Even if they call you asking for more information, you do not have to speak with them or answer their questions.
Consider Having Your Lawyer Present During Recorded Statements
If you speak with an accident lawyer and you feel that it is the right choice to move ahead with a recorded statement, you should consider having your lawyer present. Your lawyer can also help you prepare to give your statement ahead of time. Note that it is all too easy to say problematic things during your recorded statement – and the insurance company might use this against you later. Your lawyer might be able to prevent you from making these problematic statements – and they can fight for your rights if an insurance adjuster steps over the line.
Speak with an Experienced Lawyer Before Giving Any Recorded Statements
Although this might seem like yet another time-consuming task, you should speak with a lawyer before providing a recorded statement to any insurance company. A quick phone call or consultation with a personal injury lawyer in Florida won’t take long – and it could save you from making serious mistakes with your claim. Contact Matthews Injury Law today to plan out your next steps in more detail.