When you file a claim with the insurance company the claims adjuster will likely want to speak with you to get your statement about what occurred as well as gather some information about your injuries. Typically they ask to take a recorded statement so that they have a record of what you say, which will become part of your claim forever. Recorded statements can be harmful to your case as the adjuster is an expert at asking questions or phrasing them in a way to trip you up to say things that may negatively affect your claim. You are not required to give a recorded statement to the adjuster. If you do decide to give a statement, and have not consulted with a personal injury attorney, then it is best to stick to the facts of the crash. Write them down and read them verbatim from your paper. Do not add personal comments or give narratives or even go off script because those distract from the facts and the adjuster may use that extra commentary against you. If you find yourself in doubt, do not be afraid to decline to give a statement and contact an attorney for advice.
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