The Adjuster Wants a Recorded Statement: Do You Have to Give One?
Last reviewed October 10, 2026 by Ali Ahmad, MyAutoTriage editor.
What the adjuster said
"We need to take a recorded statement."
Short answer
To your own insurer, usually yes: your policy's cooperation clause can require it. To the other driver's insurer, you generally have no contract with them and no duty to record a statement, though refusing everything can slow your claim. A short written statement of the facts is a common middle ground.
What it usually means
An adjuster records a statement to lock in your account of the accident: speed, where you were looking, injuries, what you said at the scene. It is used to decide fault and to value the claim, and anything vague or guessed can be used to reduce what you are paid.
Who is asking matters. Your own insurer can rely on the duty to cooperate in your policy. The at-fault driver's insurer is not your insurer, so that duty does not apply to you in the same way.
What the rules say
- Maine's insurance regulator says your own policy requires you to cooperate in the investigation, while in a third-party claim there is no such contractual duty, although refusing a statement could in some cases be treated as failing to cooperate.
- You can ask for the questions in writing, answer in writing, and keep to facts you know. Don't guess at speeds, distances or injuries.
- If you do record one, you can ask for a copy or transcript.
The NAIC model act and regulation are templates that most states have adopted in some form, often with different deadlines or wording. Your state's own law and your policy are what apply.
What to say back
Reply in writing (email is fine) so you have a record. Fill in the brackets:
Thank you for reaching out about claim [claim number]. I am not going to give a recorded statement at this time. I am happy to provide a written statement of the facts of the accident, along with the police report number and photos. Please send any specific questions in writing to this email address and I will answer them.
Frequently asked questions
Can the other driver's insurance deny my claim if I refuse a recorded statement?
They can say they lack information to accept liability, which delays the claim. Offering a written statement, photos and the police report usually answers that. If they still won't decide, ask in writing what specific information they need.
Do I have to give a recorded statement to my own insurance company?
Usually your policy requires you to cooperate with your own insurer's investigation, which can include a statement. You can still prepare, stick to facts, and ask for a copy.