You have a right to limit what you say, or to not answer questions you don't feel comfortable with, especially without your attorney. It is easy for insurance companies to try and assign fault to you for your accident. Any recorded statement they may ask you for could be used against you later.
Don't answer any of their questions without first talking to an attorney. Anything you say could be used later by insurance companies to reduce or deny your claim altogether. Even seemingly simple questions could be trick questions meant to get you to say something they could use against you.
In most cases, you are not obligated to give a recorded statement. While the insurance companies are quick to ask questions, remember that everything you say could be used to delay your claim past the statute of limitations or deny it altogether. If a third party contacts you, especially one representing the other driver, you are under no obligation to speak to them.
You don't have to accept the initial statement
Insurance companies realize the significant advantage they have when an injured victim has no lawyer. They will try hard to keep it that way; often, they will typically give you a "lowball" offer, making it seem like that is the best they can do. What most people do not realize is that that offer is not one you must accept. In fact, you can negotiate for more money. Too many people settle, without an attorney playing right into the hands of the insurance company's lowball tactics. Once the insurance company's money is in your hands, your legal options are usually nonexistent. You need an attorney to help you get the compensation you deserve.
Don't go it alone
For over a century, our law firm has been representing accident victims, and helping them get the justice throughout New Hampshire and southern Maine. After an ordeal like the one you have just endured, you need nothing but support. We can offer that support: legal representation when you need it most. Contact us for a free, confidential consultation with one of our skilled attorneys.