Strategy
Why You Shouldn't Give a Recorded Statement to the Adjuster
• 2 min read
Insurance carriers ask for recorded statements knowing claimants will hurt their own case. Talk to an attorney first.
Insurance adjusters routinely call injured claimants within days of an accident and request a 'quick recorded statement' to 'help process the claim.' Don't do it without talking to an attorney first.
Anything you say can and will be used to reduce or deny your claim. Adjusters are trained to ask questions that elicit harmful answers, even when you're trying to be cooperative.
Once an attorney is involved, the adjuster communicates with your attorney, not you. You don't have to take adjuster calls — and you shouldn't.
If you've already given a statement, talk to your attorney about damage control. The statement is part of the record, but its impact can often be managed.
Pre-settlement funding gives you the financial breathing room to follow legal advice rather than rush into adjuster cooperation just to get the case 'moving.'
Call (800) 297-3834 for funding to take the pressure off.
Frequently asked questions
- Should I wait for my settlement instead?
- If you can comfortably cover your bills, waiting is often the cheaper option. Funding exists for claimants who would otherwise be pressured into accepting a low early offer.
- Is a pre-settlement cash advance a loan?
- No. It is non-recourse funding tied to your personal injury claim. There are no monthly payments, and if your case does not recover, you owe nothing.
- Do I need good credit or a job to qualify?
- No. AARC does not run a credit check and does not require employment or income verification. Approval is based on the strength of your claim and your attorney's representation.
- How fast can I get funded?
- Most approved applicants receive funds in as little as 24 hours once AARC has the case documents from your attorney.
- How much does it cost?
- AARC uses a flat fee rather than compounding monthly interest. Typical advances are $500, $750, or $1,000, and the illustrative payoff at settlement is 2x the advance amount.
About the author
Written by the funding team at AARC — Accident Advance & Resource Center. AARC underwrites pre-settlement cash advances for personal injury claimants and works directly with plaintiff attorneys across 45 states. Our team reviews case documentation daily and writes from that firsthand experience.
This article is general information, not legal or financial advice. Always confirm details with your attorney. Contact AARC or call (800) 297-3834 with questions about your specific case.
