After an accident, the adjuster is going to call you up and ask to take a recorded statement from you. Let me give you two simple rules when you get this request:
1. DO NOT GIVE A STATEMENT TO THE INSURANCE ADJUSTER
The adjuster's first job is to get a statement from you as early as possible. The sooner you give a statement, the more likely you are to say something in a state of shock. Do not give a statement to the adjuster. You are not required to give a statement. For example, the day of the accident you may not feel pain. That does not mean that you are not hurt. It just means that you are not feeling pain. If you tell them you don't have any pain, and the next day you are in pain, they will deny your claim stating that you told them that you were not hurt.
2. DO NOT ALLOW ANY STATEMENT TO BE RECORDED
If you decide to talk to the insurance company, do not let them record anything. Even simple statements can be used against you later. You should not allow them to record anything. If you want to talk to them, be very clear that they are not allowed to record the statement.
Two simple rules: no statement and if you are going to let them take a statement, do not let them record it. Ever. Under any circumstances.