If you find yourself the victim of a motor vehicle accident, it can seem overwhelming. First, the jarring events may leave your brain whirling. After you realize what has occurred, you may start to get upset over the condition of your car and worry about how you will financially recover.
One of the most significant steps after getting into an accident is contacting your insurance company. Once you do, they will ask you to give something called a recorded statement. This recording details the incident and helps adjusters determine liability. When giving an official account of the accident to an insurance company, keep the following four things in mind.
1. Tell the truth
First, the recorded statement is what it sounds like. It is a recording consisting of standard questions and answers. It is vital you tell the truth. Trying to make an accident that is your fault sound like someone else's will not work.
2. If you do not remember, just say so
The details of the incident may seem fuzzy, or you may not know the closest cross street to the scene or what direction you were traveling in. Make sure you tell the adjuster when you do not know the answer to, or if you have doubts about your answer.
3. Answer only the questions asked
Adjusters have a list of standard questions, and they usually fall in a particular order. Trying to cut the adjuster off to give your account of the accident before the adjuster asks makes for a messy and confusing statement. Just stay patient; you will get your chance to give your side of the story.
4. Keep answers concise and consistent
The adjuster is taking notes right along with you. If your answers are long-winded, repetitive or just rambling, the integrity of the statement may become compromised. Try to answer things as concise and clear as possible.
Giving a recorded statement does not have to scare you. Getting through one is a matter of giving your account of the facts as you remember them.