What should I tell the insurance company?

If you talk to the insurance company to report your accident, do not give a recorded statement. As part of reporting your accident, you've already told your employer how the accident happened.  Your employer should report the work accident to their workers’ comp insurance company. You may have spoken to the insurance adjuster and told them about your accident too. But after you’ve given your initial statement the insurance company may ask you to give a recorded statement. Don’t do it.

You are not required to give the insurance company a recorded statement to receive benefits.  Often, the insurance adjuster will tell you that you have to give them a recorded statement if you want to receive benefits.  This is not true. The insurance company wants you to give a recorded statement so they can ask you pointed questions that will weaken or irreparably damage your potential claim.  Remember, the insurance company’s job is to make as much money as possible. The way they make money is by denying claims. Do not give a recorded statement. Instead, hire an attorney who specializes in Virginia workers’ compensation.

So when the insurance company asks you for a recorded statement, why not say “Talk to my lawyer” instead. We can let the insurance company know the information they need to pay your benefits. Don’t take the risk of trusting the insurance company, they’re not looking out for you. Your lawyer is the one who protects your interests.