November 15, 2017 Bruce Robinson no comments

Your insurer doesn’t care about you
Immediately after the car accident, you contacted your insurance company to report the case or the other party’s insurer contacts you. What they do next is asking you to provide a recorded statement of exactly what happened and even the medical report and bill records.

While this may seem ‘with good intentions’, there is more to it. One thing you should know is that; insurance companies are out there to make money and not to spend.

So they will tend to avoid any situation that may force them to spend money, and if unavoidable, they seek to ensure that the amount is minimized as possible.

How do they achieve this? They have their trained lawyer who will do anything to save his employer money. These include using the very statement you provided against you.

The insurance company will even threaten to close your compensation file if you don’t provide them with a recorded statement. What should you do in such cases?

Do not heed to their threats. If your lawyer is not around, you should say ‘no’ to such requests.

There’s absolutely no obligation on your side, even in the law, to give them a recorded statement and with the file being closed threat, you don’t even have to fringe even a little. Why?

The moment they receive your claims copy and even the lawsuit, they have no other alternative but to open your file and follow through to the end. So in case you receive such a letter, ignore it for your good.

Consequences of giving a recorded statement

You are thinking, ‘why should I hide the truth?’ the point here is not why, but what.

Remember I mentioned earlier that these insurance companies had trained claim assessors who are very competent at using your own words against you.

They will use open-ended questions you answered to manipulate it into a context that will appear as if you caused the car accident or you were negligent. Imagine being tricked into admitting that you did nothing to avoid the accident or you were driving fast!

They will manipulate your answers to appear as if you caused the accident and not their client. Such things will happen if you give them your statement.

But there are some cases when your own insurance company asks you to provide them with the recorded statement; it is okay to do that but not the other party’s insurer.

How your medical record can hurt you

The moment you provide your medical release record, they will use to access and collect any other information about you. Later, they will present it to reject your personal injury and car wreck claims.

They will argue that the car wreck may have just triggered pre-existing injuries suffered before the accident and presented your medical record as the evidence.

Worst of all, they won’t provide you with the copy of what they know about you. So to avoid this, just give them the records and release warrant concerning the injury in question, nothing more.

What to do if you decide to give them a statement

We’ve said that there’s no law whatsoever pushing you to provide a statement. You can do it, or you can decide not to. But I you decide to give;

• Ensure that the statement is not recorded. Be polite and request them not to record it

• Avoid any question that you are not sure of

• Avoid giving lengthy explanations. If asked to explain, be brief as you can

• Do not admit anything
• Do not sign any document unless you are given a go ahead by your lawyer.


Use polite language when talking to claim adjusters. Hire a lawyer so that the insurance company will be dealing with him directly. This will save you a lot of headache regarding what to say and not to.

Your attorney is experienced in handling such things. He knows the loopholes the insurer will be looking for. You are safe with him.

Robinson & Associates is here to help you 24/7. Contact Us Now.

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