After an Alabama car accident occurs, often the insurance company will ask for a recorded statement from the parties involved in the crash. The prospect of having a statement recorded can be unnerving and frightening for many people. There are ways someone involved in a car accident can prepare for the recorded statement to ensure it is an accurate reflection of what happened.
Review the accident report
Reviewing the accident report before a recorded conversation will help you recall the events of the accident. Refreshing your memory about the contents of the accident report will help to ensure that your statement is consistent with the information in the report. If you do not have a copy of the accident report, ask the insurance adjuster for a copy of it before the scheduled conversation.
Know pertinent details
The success of an insurance claim often lies in the details of the statements of the people involved. It is important to give accurate information during your recorded conversation. If you are unable to provide basic information, it can be detrimental to the insurance claim. Know the direction each vehicle was traveling at the time of the accident. Take note of the road or intersection where the accident occurred. Verify the date and time of the accident as well as the route you took to get to the accident site. Try to remember your intended final destination and the purpose for making the trip. Provide the names and contact numbers of all passengers in your vehicle. Be aware of the weather conditions at the time of the accident. Verify whether or not you and your passengers were wearing safety belts. Describe the damage that was done for to your vehicle. Provide contact information for any witnesses. Finally, offer a detailed description of any injuries you sustained in the accident.
If you sustained injuries that require any type of medical care, it is essential to have the names and contact information for all the health care professionals who have treated you. This includes doctors, emergency response providers, physical therapists, and non-traditional doctors such as chiropractors. Be ready to provide information regarding the number of visits you made to a medical facility, the type of treatments that were given, medical history, similar injuries sustained in the past and prior accidents.
What to do during your recorded statement
When you provide a recorded statement, it is important to be clear, calm, and focused. Exhibiting these qualities will help the session progress more smoothly. Try to take a deep breath and relax. Be polite and use proper words to answer the questions. Give short answers and resist the urge to delve into too much detail. If you are making a medical claim, ask a specific question related to the use of a preferred health care provider to get an official record of the response. Confirm you will be receiving a transcript of the recorded conversation.
What not to do during the recorded conversation
Part of being prepared for making a recorded statement is knowing what not to say. Being aware of this information will help you provide an accurate statement without giving information that can hurt your insurance claim. For example, never exaggerate the severity of the accident and the extent of your injuries. Avoid speculations and say you do not know rather than trying to guess about an answer. Do not provide your social security number or birth date during the recording. Never just agree with the assumptions the adjuster makes. Some less scrupulous adjusters can try to trick you into agreeing to a statement that is not completely accurate.
Request a transcript
After you have given your recorded statement, ask the insurance adjuster for a copy of it. Insurance companies are willing to provide this information. However, they will not do so unless you specifically request it. If the insurance company wants to know why you need this information, it is appropriate to tell them you want to check it for accuracy and would like the chance to make amendments to anything that is inaccurate.
Other points to know
There are two more key points to know before you make any recorded statements. If the recorded statement is being requested by the other party’s insurance company, you do not have to comply with the request. Only do so if it is helpful to your claim. Additionally, you have the right to cancel or suspend the recorded statement at any time. Simply send a written communication to the insurance adjuster documenting why you decided to do so.
Making a recorded statement after an Alabama accident does not need to be a stressful; agreeing to do so can actually be helpful to your accident claim. Following these steps will make the process much easier. Remember it is crucial to consult with a reputable attorney before you agree to make any recorded statements. In some instances, an attorney may advise a client not to make any recorded statements.
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