I received a call from my insurance company, State Farm, requesting a recorded statement about an accident that occurred last year. I’ve always had positive experiences with them, but this is the first time they’ve asked for a recorded statement, despite having been involved in a few accidents in the past. This particular incident resulted in my vehicle being totaled.
Can anyone shed light on why they might be requesting this? Should I go ahead and provide a statement, considering I wasn’t at fault?
Thanks in advance!
It’s understandable to feel concerned about receiving a request for a recorded statement, especially since you have a good history with your insurance company. Even if you were not at fault in the accident, insurance companies sometimes request recorded statements to gather more information and ensure that all details surrounding the incident are clear.
Here are a few things to consider before providing a statement:
Reason for the Request: The request for a statement could be standard practice, especially if the accident involved significant damages or injuries, or if it was a complex situation. They might be looking to clarify details or confirm the circumstances of the accident.
Know Your Rights: You have the right to understand why they need your statement and how it will be used. Don’t hesitate to ask your insurance representative about the purpose of the recorded statement.
Be Honest and Clear: If you decide to provide a statement, be honest and stick to the facts as you remember them. Avoid speculation or assumptions about what happened.
Consult with a Professional: If you’re unsure about providing a statement or have concerns about liability, it might be worth consulting with an attorney or an insurance professional to guide you through the process.
Review Your Policy: Check your insurance policy or call your agent to understand your obligations regarding providing statements.
Ultimately, it’s generally best to comply with your insurer’s request, as long as you feel comfortable and informed. It’s all part of the claims process, and being cooperative can help expedite any resolutions or necessary claims payments. TIA and good luck!