If my car suffered damages, should I give my car insurance company a recorded statement that they have asked for?

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If my car suffered damages, should I give my car insurance company a recorded statement that they have asked for?

My car was repo’d and now the bank has filed a claim with my insurance company for damages to the vehicle. The insurance company is asking for my recorded statement of what happened to the vehicle. Could this possibly back fire on me? Should I give the statement? If I don’t, are there consequences?

Asked on January 25, 2012 under Insurance Law, Texas

Answers:

M.T.G., Member, New York Bar / FreeAdvice Contributing Attorney

Answered 9 years ago | Contributor

There are two very distinct issues here.  First, you have an obligation to cooperate with your insurance company under your insurance policy.   The consequence here in not doing so is that they disclaim coverage and then you become embroiled in a lawsuit until the dust settles.  If you are fearful about giving a recorded statement - and honestly I do not like them as a lawyer myself - then ask if you can give a written account instead and go and speak with an attorney to help you fill out the form.  Good luck.  


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