Phillip Buchanan Grubaugh
Phillip Buchanan Grubaugh, Car / Auto Accident Lawyer - Kansas City, MO
Posted over 4 years ago.

Depending upon the situation even a recorded statement to your own insurance company without being well prepared to answer their questions most accurately and intelligently can be detrimental to your interests. For example, there are situations, such as an uninsured motorist claim, in which your own insurance company essentially steps into the shoes of the uninsured driver and you have to prove up your claim against the other driver, both liability and injuries and damages, in order to collect against your own insurance company. I cannot think of a situation in which getting free consultation from a personal injury attorney prior to giving a statement to an insurance company, whether "their" company or yours, wouldn't be the most prudent course. Always better safe than sorry.

David Lee Fiol
David Lee Fiol, Personal Injury Lawyer - San Rafael, CA
Posted over 4 years ago.

I am not going to get into a debate with Mr. Brubaugh here, but I will state again that I don't think you have much to worry about. Yes it would have been ideal for you to have an attorney advise you before you gave the statement, but you are obliged to cooperate in the defense of your case and if your were truthful you will be fine. At this stage your insurer is focused on liability issues, not your damages, and if you were found not at fault by your insurer you are in good shape.