Recorded Statements

If you are involved in an automobile accident, work accident, or are seeking to obtain benefits from health or disability insurance, DON’T AGREE TO GIVE A RECORDED STATEMENT, either oral or written, without contacting us. The Traps are many. Below are examples of how individuals lost valuable benefits because they were tricked by an insurance company or didn’t appreciate that their statement could hurt them later in the claim process.

  1. What if another vehicle hits you and it’s their fault? Unknown to you, the driver who caused the accident was uninsured. When your insurance company takes a recorded statement from you, you naively believe they are doing so because they are looking out for you and protecting your interests. Actually, when the insurance company who covers your vehicle takes a recorded statement, they are doing this to protect their interests, not yours. When a claim is processed to provide you with uninsured motorist coverage, your insurance company “steps into the shoes” of the uninsured motorist and therefore must then defend the uninsured motorist’s claim against you. Often, insurance companies don’t advise their insured as to their adversarial role in this situation.

  2. What if you have an Allstate auto policy and are hit by an Allstate insured driver? When the Allstate adjuster calls, he or she doesn’t tell you that the call is on behalf of the Allstate driver who hit you, so you mistakenly believe you are talking to the adjuster assigned to you under your policy.

  3. What if you are in an accident at work? The adjuster for the employer/insurer asks to do a recorded statement in order to investigate the claim. You feel that if you cooperate by giving either a recorded or a written statement, you will be expediting the claim process. However, the adjuster is only looking out for the employer’s and insurer’s interest – certainly not yours. The fact that you suffered injuries at work will not automatically mean you are eligible for benefits. Adjusters know how to trap an unsuspecting employee into answering questions that often result in the employee becoming ineligible/disqualified for benefits.

CONTACT OUR OFFICE before giving a statement to any insurance company, either recorded or written.