Insurance Is Asking for a Statement After an Accident

Your own insurer may require reasonable cooperation under your policy. The other driver's insurer does not represent you. Ask for the caller's name, company, claim number, and the purpose of the statement.

Stick to facts you clearly remember. It is okay to say you do not know or need to check. Do not guess about speed, distance, fault, or medical conditions.

A recording can be reviewed later and used to evaluate the claim. Do not agree simply because the caller sounds friendly or says it will only take a few minutes. Ask whether it is required and consider getting advice first.

If you are still being evaluated, say so accurately. Avoid broad statements such as 'I'm fine' when symptoms can develop later. Never exaggerate either - honesty and consistency matter.

A medical authorization or settlement release can have important consequences. Read the full document, ask what information it allows the insurer to obtain, and get help if you do not understand it.