An insurance adjuster calls after a crash and asks to record your answers. Before the interview begins, find out which company the caller represents, whose policy is involved, and what the statement will cover. A request from the other driver’s insurer raises different questions from a request under your own policy.
Start by identifying the claim
Write down the adjuster’s name, company, telephone number, claim number, and the person or vehicle insured. Ask whether the conversation is being recorded now or whether a separate interview is proposed. If you are unsure the caller is legitimate, verify the number through the insurer’s published contact information before sharing personal details.
Ask for the request in writing. A short email can clarify whether the adjuster wants a description of the collision, information about injuries, documents, or a signed authorization. Those are different requests and should be considered separately.
Your own policy may require cooperation
Do not assume you can ignore a request from your insurer or an insurer providing coverage to you. Notice and cooperation duties depend on the policy and the coverage involved. Virginia’s motor-vehicle liability insurance statute addresses consequences when a failure to cooperate prejudices the insurer’s defense. That does not mean every requested interview is automatically required in every claim.
If an adjuster says a recorded statement is mandatory, ask which policy provision applies and what response date is requested. Send the request and policy to your attorney promptly so the obligation can be evaluated without missing a deadline. Requests from an opposing insurer should also be discussed with counsel before you agree to an interview.
Accuracy matters more than a quick answer
- Separate what you personally saw from what someone later told you.
- Say when you do not know or cannot remember. Do not guess at speed, distance, or timing.
- Describe symptoms and treatment accurately. Avoid predicting recovery or diagnosing yourself.
- Ask the interviewer to clarify a confusing question rather than agreeing with its wording.
- Keep relevant photographs, letters, and your own notes together, and preserve their originals.
Preparation should help you give truthful answers, not create a rehearsed version of events. For example, if you heard a second impact but did not see which vehicle caused it, explain that distinction.
If you already gave a statement
Tell your attorney when it happened and which insurer took it. Request a copy or transcript and preserve related emails. If you discover an error, identify the specific point and discuss how to correct it accurately; do not invent a new account to fit later evidence.
Bring the request to a consultation
Bring your declarations page, the adjuster’s request, claim numbers, and any proposed authorizations. Our Virginia injury claim guide explains the broader process. If the crash happened in Norfolk, see our Norfolk car accident representation page.
Contact Phoenix Trial Firm about a Hampton Roads car accident to discuss the request and your next step.
General information, not advice about a particular policy or claim. Coverage and response obligations require review of the facts and policy language.
