Do I Have To Answer The Insurance Adjuster?

Do I Have To Answer The Insurance Adjuster? No, if you are injured in a motorcycle accident or other type of motor vehicle collision, you do not have any legal obligation to give a statement to an insurance company following an accident.

In order to appreciate how and why ‘statements’ are an important part of the claims process, it is important to understand how automobile insurance companies approach these cases.

From the time an incident gets reported to an insurance company, a set process goes into motion. The company will assign the case to an investigator or adjuster who is responsible for interviewing people who have information on the incident itself and the people involved. Many times, this ‘fact gathering’ mission will take the form of a ‘recorded statement’ where the interview is recorded for use in the future.

While the gathering of such information may seem innocent enough, adjusters at insurance companies are trained to illicit information that is more favorable to their insured. After all, auto insurance companies make money by taking in as much in premium payments as possible and paying out as little as feasible in claims and judgments.

Timing Can be Everything When it Comes to Statements in Auto Cases

Most statements are obtained in the days and weeks following a crash. While it may seem like a good idea to get information while an incident is fresh in your head, these statements may be taken at an inopportune time when you may not be completely focused on the questions being presented to you or may be distracted by pain related to an injury that you’ve sustained in an accident.

Similarly, when it comes to questions concerning your injuries, you may not be aware of the full extent of your injuries in the days following a collision. Superficial or soft-tissue injuries which may be causing you extreme pain may be masking more significant orthopedic injuries that have yet to be fully diagnosed.

If a statement is taken and you fail to mention an injury or simply downplay the significance of it, it may come back to haunt you during a deposition or at trail.

As attorneys who have represented thousands of people injured in car, truck, motorcycle and bicycle accident cases across Illinois, we strongly discourage people injured in accidents from voluntarily giving statements to insurance companies. They frankly tend to do a lot more harm than good when it comes to resolving cases—for full and fair value.

If you are contacted by an insurance adjuster and asked to give a statement, we would urge you to consider refraining from doing so until you have had an opportunity to discuss your case with an attorney who can advise you if its significance.

Back to the Top

Do You Have More Questions Dealing With an Insurance Adjuster Following an Illinois Motorcycle Accident?

Should you have questions about insurance company statements or other aspects of an auto-injury case, we invite you to talk to an attorney at our office without any cost or obligation on your part. All initial consultations are free and confidential.

For additional information visit the following links:

Client Reviews
Jonathan Rosenfeld was professionally objective, timely, and knowledgeable. Also, his advice was extremely effective regarding my case. In addition, Jonathan was understanding and patient pertaining to any of my questions or concerns. I was very happy with the end result and I highly recommend Jonathan Rosenfeld.
★★★★★
Extremely impressed with this law firm. They took control of a bad motorcycle crash that left my uncle seriously injured. Without any guarantee of a financial recovery, they went out and hired accident investigators and engineers to help prove how the accident happened. I am grateful that they worked on a contingency fee basis as there was no way we could have paid for these services on our own. Ethan Armstrong, Google User
★★★★★
This lawyer really helped me get compensation for my motorcycle accident case. I know there is no way that I could have gotten anywhere near the amount that Mr. Rosenfeld was able to get to settle my case. Thank you. Daniel Kaim, Avvo User
★★★★★
Jonathan helped my family heal and get compensation after our child was suffered a life threatening injury at daycare. He was sympathetic and in constant contact with us letting us know all he knew every step of the way. We were so blessed to find Jonathan! Giulia, Avvo User
★★★★★
Jonathan did a great job helping my family navigate through a lengthy lawsuit involving my grandmother's death in a nursing home. Through every step of the case, Jonathan kept my family informed of the progression of the case. Although our case eventually settled at a mediation, I really was impressed at how well prepared Jonathan was to take the case to trial. Lisa, Avvo User
★★★★★
Contact Us for a Free Consultation (888) 424-5757
Chicago Office Map