What to Do If Your Own Insurance Company Asks for a Statement
It’s common for insurance companies to request a statement after a car accident. Whether you’re filing an uninsured/underinsured motorist claim or another type of claim, how you handle this request can have a major impact on your coverage.
Cooperate With Your Own Insurance Company
If your own insurer asks for a statement, you likely need to provide it. Insurance policies are contracts, and part of your obligations as a policyholder is to cooperate with your insurance company. Failing to do so can:
Put you in breach of contract.
Excuse the insurance company from paying your claim.
Limit or eliminate their duty to defend you if you are sued.
Simply put, not cooperating can jeopardize both your coverage and legal protection.
When You’re Dealing With the Other Driver’s Insurance
If the request comes from the other driver’s insurance company, the rules are different. You are not required to provide a statement unless it’s part of a formal legal proceeding. Giving a statement voluntarily could risk your claim, as insurance adjusters may use your words to reduce or deny compensation.
Tips for Handling Statements
Always notify your own insurance company first if contacted by the other party.
Provide statements truthfully but carefully; stick to the facts.
Consult with a personal injury attorney before giving a statement to anyone other than your own insurance company. They can help protect your rights and ensure you don’t accidentally harm your case.
