If you are involved in a car accident in Virginia, you may find that the at-fault party’s insurance company is quick to request a recorded statement. While it may seem routine, it is essential to understand the potential risks before agreeing.
Exercise caution
Insurance companies often ask for recorded statements to look for inconsistencies in your account. Any slight variation or uncertainty could potentially harm your car accident claim, giving the insurer grounds to reduce or deny compensation.
In Virginia, you are not legally obligated to provide a recorded statement to the other party’s insurer. Even with your own insurance, while they might request a recorded statement as part of the investigation, it is often optional.
The risks involved
Providing a recorded statement without adequate preparation can be risky. Insurance adjusters know how to ask questions that might lead you to accidentally accept some level of blame or downplay your injuries, which can impact the compensation you are eligible to receive. Once your statement is recorded, any detail, no matter how minor, can be used to challenge your case down the line.
When it might be necessary
While avoiding a recorded statement is often best, there may be times when your own insurance policy requires one. In these situations, make sure to schedule the statement at a time when you can be well-prepared and composed. This gives you the chance to review the accident details, any documentation you may have and consult with a legal professional, if possible. This way, you can provide a clear, consistent account that does not jeopardize your claim.
Tips for giving a statement
If you decide to proceed, stay calm and respectful. Keep a steady, polite tone throughout the conversation. Stick to the facts. Answer only what is asked, without adding extra details or speculating. Avoid admitting fault. Refrain from making statements that could imply responsibility.
Though you may need to provide a recorded statement in certain cases, it is wise to approach such requests carefully. A bit of preparation can go a long way in safeguarding your rights and ensuring that your statement supports, rather than harms, your claim.