Avoid giving recorded statements without preparation, admitting any fault, speculating, or downplaying your injuries. Do not volunteer excessive personal history or discuss your emotional state casually. Never accept the first settlement offer immediately, as it is often a starting point for negotiation. Politely decline to answer questions you are unsure about and avoid saying “I’m fine” as this can be misconstrued. Stick to the basic facts of the incident.

Do not admit fault or discuss details. Politely acknowledge you’ve heard their claim and say you need to consult with your insurance company or a legal advisor. Immediately gather and preserve any relevant documents, emails, photos, or records related to the incident. Do not delete anything. Contact your relevant insurance provider (e.g., homeowner’s, auto, business liability) as they have a duty to defend you. Avoid discussing the matter on social media or with others, as these communications may be used against you later.

Notify your insurance provider as soon as reasonably possible, typically within 24-48 hours. Provide them with the basic facts, the information you collected, and the police report number if applicable. Do not give a recorded statement without understanding your policy or potentially consulting an advisor. Your contract requires prompt reporting, but you are not obligated to speculate or accept blame.