Soon after an accident, the other driver's insurer may ask for a recorded statement. It can feel like a routine request, but a recorded statement is a tool the insurer uses to limit your claim. In Washington, caution is warranted.
Why Insurers Want a Statement
A recorded statement locks you into an account before you have all the facts or understand your injuries. Adjusters are trained to ask questions that elicit admissions of fault or minimize your injuries.
Under pure comparative negligence (RCW 4.22.005), even small admissions can reduce your recovery.
You Usually Don't Have to Give One
You are generally not obligated to give a recorded statement to the at-fault party's insurer. Your own policy may require cooperation, but even then you can have an attorney present.
Declining politely and routing the request through counsel protects your interests.
Protecting Yourself
If you have already given a statement, all is not lost — an attorney can still build your case. The key is to avoid compounding the issue.
A free case review can help you handle insurer requests the right way.
Have questions about your own situation? Get a free, confidential case review. You pay no fee unless you win. Call 973-566-5599.
This article is for general informational purposes only and is not legal advice. For guidance on your specific situation, consult a licensed Washington attorney.