Attorneys are an argumentative bunch. We disagree on many things, so when we agree on something, you should take notice. Something we agree on–don’t give a recorded statement to the insurance company after an automobile collision. It doesn’t matter if it is your insurance company, or the negligent driver’s insurance company.
Let’s talk about why the insurance companies want to get you on an audio recording. First, the mundane–they want to know the facts of the accident, the nature of your injuries, and what medical care you have received. They want to know what evidence you have, and whether there is anything that will help them to muster up more evidence.
Now, the insidious–the insurance companies want a recorded statement from you so that they can use it against you. They will take a recorded statement shortly after the accident. Down the road, when you file a lawsuit, you will answer written questions (called interrogatories) under oath. Then you may have a deposition, where they ask you more questions under the penalty of perjury. Finally, you will testify at trial, perhaps two or three or four years after the accident.