Providing a recorded statement to an insurance company following a Texas auto accident can definitely have a negative impact on your claim to compensation.
Providing a recorded statement without consulting with an attorney can often result in:
Potential for unintentional inconsistencies – Car crashes can be confusing and disorienting. Further, as time goes on, your recollection of the accident may fade. When an insurance company goes back to compare all the statements you made over a period of weeks or months, they will claim that any inconsistencies were attempts by you to mislead the company and label them as lies before a judge or a jury.
Exposure to trick questions – The representative on the other end may ask leading questions or word their inquiries in a way meant to trick or trap you. You may even be pressured into agreeing to facts that are not completely accurate just to get the representative off your back. Even an aggravated response of “I don’t know, maybe” or “I guess” can come back to haunt you later.
Exposure to leading statements – Even a statement that seems innocent on its surface can damage your claim depending on your response. For example, by giving a positive response to statements like “I hope your back is starting to feel a bit better” or “Wow, it’s a miracle you weren’t more seriously injured”, you could be tricked into understating the severity of your injuries.
Failure to report undiagnosed injuries – Most doctors agree that the full extent of any injuries suffered in a car accident may not be evident until several days after an accident has occurred. If a claims adjuster contacts you within 24 hours of a crash and asks about your injuries, chances are you will not be able to provide a complete list of injuries. This will not stop the insurance company from questioning and attempting to dismiss any injuries that became symptomatic after that initial recorded statement was made.
You providing material for cross-examination – By the time deposition or trial occurs, chances are the defense counsel will have reviewed your recorded statements dozens of times. They will craft questions for cross-examination with the understanding that you likely don’t remember everything you said or agreed to in that recorded statement. And when you misremember or contradict yourself in a moment of confusion, they will try to claim your misstatement proves your testimony is not credible.