Recorded Statements for the Insurance Carrier After a Car Accident in Maryland
There are two likely recorded statements you will be asked to give after a motor vehicle collision in Maryland. The first is a recorded statement to your own insurance company reporting the details of the incident.Recorded Statements to Your Own Insurance Company
You most likely have under your auto insurance policy a contractual obligation to cooperate with your insurance company regarding your accident. (There is an open question the Maryland high court has never addressed as to whether the requirement is permissible.) We believe that in most cases, you should have an experience victims' advocate on the call with you when you talk to your insurance company.
You should approach your recorded statement with your insurance company with both caution and candor. Many claims where the other driver appears to be at-fault for the accident will eventually involve your own insurance company, especially when the other driver has no or limited insurance coverage.
Accordingly, you want to be careful with respect to how your characterize the accident and your injuries. That said, you also have an ethical and contractual obligation to be honest with your own insurance company about what happened in the car accident and the extent and scope of your injuries (to the extent that you know). Again, the best way to balance these competing interests is to involve a qualified counsel in the recorded statement you give to the insurance company.Recorded Statements to the At-Fault Driver's Insurance Company
The other driver's insurance company will also want you to give a recorded statement regarding the accident and your injuries. While every situation is different, we struggle to conjure up scenarios where it makes sense to give a statement to the at-fault insurance company. Accordingly, when the at-fault insurance company calls, you should either refer them to your attorney or simply tell them that you will not be giving a recorded statement to them.