Do NOT Give A Recorded Statement!
Unfortunately, you never know when you might become the victim of a serious injury, so I'm going to give you some advice that's as important as wearing your seat belt. Advice that's so important to a person's safety that I tell my family and I tell all of my friends. This may make for boring cocktail conversation, but I give it because I don't like see those that I care about subject to great risk, especially when they don't even know it.
This all-important advice is the answer to the question "Should I give a recorded statement to the insurance company?
The telephone rings. "Hello?" "Hi, I'm Bob Jones of American State Farmers Family Insurance. I'd like to ask you a few questions about your accident, and oh, do you mind if I record it?"
When it comes to your personal protection and your family's welfare, this may be one of the most dangerous calls you could ever receive. Answer it wrong and you could end up leaving you and your family uncompensated for serious injuries and damages that are caused by another person.
The Goal of a Recorded Statement Is to Limit the Insurance Company’s Liability
If you are injured in an accident with an insured person, one of the very first things an insurance company will try to do is obtain a recorded statement from you before you have had an opportunity to consult with an attorney. That is one time when it seems that the insurance company for the other side is amazingly responsive. There is a reason for that. They are looking to protect their interests and a recorded statement from an ill or injured victim is one of the most effective means they have to minimize or destroy your claim.
They will ask you detailed questions about the facts of the accident, the extent of your injuries, what doctors you've seen, what hospitals you've been to, what diagnosis you've received. They are asking those questions because they want to limit their liability, limit your damages, limit your injuries, and box you in. Whereas they take recorded statements for a living, you have probably never given one. They are trained to get you to make admissions against your best interests because that will help them minimize the payments that they make on these claims. The recorded statement between an insurance adjuster and an ill-prepared injury victim is an unfair match up and too many times it works to minimize the amount that can be recovered in serious injury claims.
Never Give a Recorded Statement to the Insurance Compnay Without Speaking to an Attorney First
Similarly, we maximize damages for a living and have seen all of ways in which the recorded statement can work against you and we are more than happy to share these with you. Call us before you give one. Even if it is not yet clear to us that you even need an attorney, we will be happy to give you important information concerning the recorded statement as well as other vital matters concerning your claim, free and with no obligation.
We absolutely advise against giving a recorded statement to any insurance adjuster before you have gotten legal advice because of the many problems you can create for yourself and your case by giving a taped statement without understanding what the issues are, without understanding how important it is to be able to clearly communicate to the adjustor just how the crash happened, just what your injuries are, just what your problems are, and just what you are doing about those injuries and about those problems.
Do not give a taped statement until you've spoken to an attorney, until you understand what your rights are and until you understand how the issues in Missouri and Kansas control when someone is trying to make a fair recovery for their accident injuries and damages. Whether it was a motor vehicle crash, slip and fall at a store, injury due to a defective product or some other type loss, you should not give a taped statement without consultation and this is very important because if the case ever goes to court it is likely that your taped statement will be admissible and your words in that taped statement can and will be used against you if you gave it without first consulting with an attorney. Even if your case never goes to trial, the recorded statement can destroy your ability to recover fair compensation for your serious injuries. We've seen it happen time and time again. That's why insurance companies are lightning fast when it comes to obtaining recorded statements. There are few things that so effectively destroy your claim. Regardless of what you are told by someone who wants to take a statement from you, you have absolutely nothing to gain and everything to lose by giving a taped statement without consultation. Do not do it!
Many people think it is harmless to give a recorded statement over the phone to an insurance adjustor. The truth is your recorded statement can and will be used against you. Call us first. You need to know your rights and how to protect them.