Recorded Statement Checklist
An adjuster wants to record your account of the accident. Answer three questions to see whether you have to, and get a checklist and a message to send. It takes a minute and can save you from a statement that cuts your payout.
Short answer
You usually do not have to give a recorded statement to the other driver's insurer; you can decline or answer in writing. Your own policy probably requires you to cooperate, which can include a statement. Either way, stick to facts you know, don't guess about speed, distance or fault, and don't describe injuries before a doctor has seen you.
Before the call
- Find out who the adjuster works for and write down their name, company and claim number.
- Ask what the statement is for and what topics they will cover. You can ask for the questions in writing.
- Pick a time that suits you. You don't have to do it on the first call.
- Have the police report number, your photos, the date, time and place, and the other driver's details in front of you.
- Write down the facts in order while they are fresh: where you were going, the lane, the light, what you saw, what happened, what was said.
- If anyone was hurt, think about talking to a lawyer first. Many give a free first consultation.
During the call
- Answer only the question asked, in short sentences. Silence is fine.
- Stick to what you know. "I don't know" and "I'm not sure" are complete answers.
- Don't estimate speeds, distances or times you didn't measure.
- Don't say you're "fine" or "not hurt". Say you are still being checked, or describe what you feel.
- Don't apologize or guess about who caused it; describe what happened.
- Don't agree to a summary that isn't quite right. Correct it on the record.
- Don't authorize access to all your medical records. A limited release for accident-related care is enough, if any.
After the call
- Ask for a copy or transcript of the recording.
- Send a short email the same day listing anything you need to correct or add.
- Log the call in your claim diary: date, adjuster, what was asked and promised.
More on "We need a recorded statement": what it means and the rules behind it
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Frequently asked questions
Do I have to give a recorded statement to the other driver's insurance?
Generally no. You have no contract with them, so the cooperation clause in a policy doesn't bind you. Refusing everything can slow your claim, so offering a written statement with photos and the police report is a common middle ground.
Can my own insurer deny my claim if I refuse a recorded statement?
Possibly. Most auto policies require you to cooperate with your insurer's investigation, which can include a statement or an examination under oath. You can still prepare, ask for the questions in writing and ask for a copy.
Can I ask for the questions in writing instead?
Yes, you can always ask. Many adjusters will accept a written statement, especially on a property-damage-only claim where fault is clear.