Be Careful What You Say!
After you have been involved in a car crash, you may be asked to give statements or sign papers giving your account of what happened. Be careful who you speak with and what you allow to be recorded. Under the guise of gathering needed information for the sake of getting to the bottom of things, an insurance company representative may ask you a series of questions that seem innocuous enough, but remember that insurance adjusters have one bottom line, saving the insurance company as much money as possible. Dealing with insurance adjusters can be difficult. Get your copy of our book Don't Wreck Your Injury Claim for inportant information about car accident injury cases.
During the taking of a recorded statement the insurance adjuster will work to structure his or her questions in such a way that seem harmless but may actually be enticing you to make statements that can then be used against you. Remember, the main reason a statement is taken and recorded is to prevent details from changing later on. In other words, if you are confused or remember with more clarity later, if the facts do not match the original statement the adjuster may accuse you of changing your story and try to otherwise brand your account as unreliable.
With a little bit of preparation, you can help avoid some of the adjuster’s tricks. Consider the following tips:
Questions to Ask
If you want to protect your rights, ask the insurance adjuster for the following before you agree to giving a recorded statement:
- Signed and dated document promising to cover medical expenses until you are totally recovered
- Ask to see a copy of the investigation files before you speak
- Request a signed promise to settle the claim within 30 days
- A statement signed by the insurance company admitting liability
Most likely you will not be given any of these requests. You can also ask to speak to the other party in order to make your own recording. If you are confused about your rights, be sure to speak with a Kansas City car accident attorney, especially before giving a statement of any kind.