Capturing memories of accidents while they’re fresh

By on June 18, 2010 at 4:00 PM

Posted in: Claims

By guest blogger Monica M., claim supervisor, Florida

Have you ever had one of those moments when you can’t remember something really simple? Most of us can remember what we did yesterday, but how about Tuesday last week, or the third Monday of last month? Now imagine that you are being asked to recall something that happened 4 or 5 years ago.

Sometimes people are hesitant to give a recorded statement to insurance companies. They may have seen an ad on TV or heard from people who are inherently distrusting of insurance companies. The fact of the matter is that we are not doing this to get one over on you. So why do we need these statements? Because over time we all forget things – including what happened in an accident.

Most claims resolve quickly. However, some accidents take months or years to settle. I know if it were me having to recall an accident I had from years ago, I would have a tough time. Right after the accident, the details are the freshest. We obtain recorded statements to preserve your recollection of the accident.

I listen to statements on a weekly basis. Sometimes if liability or injury issues come up later, I may reference these statements to see what the customer said. I want the earliest and most accurate account from the customer’s prospective so that I can make a prompt, fair and equitable settlement of the claim.