Should I Give a Recorded Statement to an Insurance Company?
Posted on October 12, 2020 in Personal Injury Claim Process
If you or somebody you care about has sustained an injury caused by the careless, negligent, or intentional actions of another party, you should be able to receive compensation for your losses. However, securing this compensation usually involves dealing with various insurance carriers. You need to know that the insurance carrier of the at-fault party is going to use various tactics to limit the amount of money they pay you in a settlement. This is why you should never give a recorded statement to an insurance company.
Is giving a recorded statement required by law in Oregon?
You can be sure that the insurance carrier of the at-fault party involved in your case is going to try to make it seem like you have to give a recorded statement. However, you need to know that you are under no obligation to give a recorded statement as far as Oregon personal injury law is concerned.
Recorded statements can be used against you in your personal injury claim
Insurance carriers can use any information given to them in a recorded statement against you. They can do so in a variety of ways. Most people who are not at fault for an accident think that there should be no problem giving a recorded statement to the insurance carrier of the other party. After all, if you are not at fault, you should have nothing to hide, right?
The reality is that, while you may have nothing to hide, insurance adjusters are trained to ask questions to get you to admit fault without you even realizing you are giving information that can be used against you in your case.
You need to be aware that insurance claims adjusters are usually going to seem very friendly. This is meant to throw you off guard. Most people are willing to talk freely to somebody they think they are having a casual conversation with. Please understand that there is no such thing as a casual conversation with an insurance claims adjuster.
An insurance claims adjuster from the other party may try to get you to admit that you did not do anything to avoid the collision, even if their policyholder was the one that caused the crash. The insurance claims adjuster may try to get you to admit various facts that are not true, including getting you to admit that you were driving over the speed limit, that you were following the other driver too closely, or even that you were paying attention to your phone or something else at the time of the crash.
Regardless of how friendly the insurance claims adjuster may seem, please understand that these individuals spend their days trying to secure testimony that takes the blame away from their policyholder. The adjuster’s job is to ensure their insurance carrier pays as little as possible in a settlement.
Work with a personal injury attorney when dealing with insurance carriers
If you or somebody you love has been injured due to the careless or negligent actions of another party, speak to a Portland personal injury lawyer about your case before dealing with the insurance carriers. An attorney will be able to guide you through this process and will handle all communication with the insurance carrier for you. This means you will not have to give recorded statements that could jeopardize your claim.