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.
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:
- Do I Have Any Recourse For Injuries Sustained In An Illinois Hit and Run?
- Do I Need An Attorney To Settle My Illinois Motorcycle Accident Case Or Should I Try To Do It Myself?
- Do I Need To Get Medical Assistance After A Motorcycle Crash Even If I Only Have Minor Injuries?
- How Much Will It Cost Me To Get A Lawyer To Represent Me In My Illinois Motorcycle Accident Case?
- I Was Found “At Fault” In The Police Report That Was Filed. Does This Mean I Do Not Have A Chance In Filing An Injury Motorcycle Accident Case?
- If I Am Not Able To Go Back To Work Right Away After My Chicago Motorcycle Accident, Will I Be Reimbursed For My Lost Income?
- Is There A Time Limit In Illinois on How Long After A Motorcycle Accident That A Lawsuit Can Be Filed?