Should I Give a Recorded Statement to an Insurance Company?
Posted in Personal Injury on December 29, 2021
Missouri is a fault car accident state, meaning that at-fault drivers are financially liable for any accidents that they cause. Victims of these collisions have the right to file a lawsuit or an insurance claim against the at-fault driver. If you are involved in a car accident, a representative from the at-fault driver’s insurance company may contact you and ask for a recorded statement.
In these situations, you may wonder if you should provide a statement to the representative. The short answer is no—you should never give a statement to an insurance company following a car accident. Providing a statement could harm your ability to recover the compensation that you deserve.
Compensation Available in Missouri Car Accident Claims
Through a Missouri car insurance claim, you can recover financial compensation for the physical, financial, and emotional losses that you experienced due to the accident. Common types of damages available in these cases include the following.
- Past and future medical expenses
- Property damage
- Lost wages
- Loss of future earnings
- Chronic pain
- Permanent disability
- Emotional distress
- Post-traumatic stress disorder
- Loss of quality of life
Do Not Speak to an Insurance Company Before Contacting an Attorney
Insurance companies may contact car accident victims after a collision to request a statement. The representative may claim that providing a statement will help settle your case faster, resulting in faster compensation. With the financial hardship that often accompanies a car accident, this offer may seem tempting.
However, it is important to remember that an insurance company does not necessarily have your best interests in mind. The representative’s goal is to protect his or her employer and providing a large settlement to each claimant would impact the company’s bottom line. As a result, many insurance representatives seek to limit the amount of compensation that a claimant can recover.
In the days or weeks after your accident, you may not know the full extent of your injuries or damages. You may now know how long you will be away from work or whether you will develop permanent complications due to your injuries. You do not know the full value of your claim or all of the facts about your case.
By providing a recorded statement to the insurance company, you are limiting your ability to recover compensation. If you make a statement and learn new facts later on, the insurance company can point to differences between your statements and use these discrepancies as a way to reduce or deny your award.
Additionally, the insurance company may provide a settlement offer that is too low to pay for your losses. You may experience financial hardship in the future and be unable to pay for future medical care.
Hire a Missouri Car Accident Lawyer for Your Insurance Claim
If an insurance company contacts you and asks for a recorded statement, do not speak to the representative. Politely decline the call and state that you will not provide a statement until you speak with a lawyer. As soon as possible following your collision, speak with a Kansas City car accident attorney.
A lawyer can handle all discussions with the insurance company on your behalf and guide you through each stage of the process. Your attorney can also calculate the full extent of your damages and evaluate any settlement offers that you received. After you receive medical attention for your injuries, contact an attorney to discuss your legal options.