Immediately after any accident, it is common for the insurance company to contact the claimant either in person or by telephone to request a recorded statement. No matter what the insurance adjuster says, the only purpose of a recorded statement is to gather information that can be used against you at a later date.
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As such, it is never a good idea to give a recorded statement to an insurance adjuster – even if he or she says that you have an obligation to cooperate. You do have a duty to cooperate with your own insurer, but if you work with an attorney you can limit the use of a recorded statement against you. As The Fundamentalist explains, your insurance company may use your words to undervalue your claim or deny it altogether.