Recorded Statements

Question 1

When to Obtain a Recorded Statement (6 REQUIRED)

Answer 1

COVERAGE

LIABILITY

INJURIES

LOW IMPACT

FRAUD

SUBROGATION

Question 2

Claimants DO NOT have to submit RS

Answer 2

Claimants DO NOT have to submit RS

Question 3

Preparation

Answer 3

1. What is already known?
2. Why is a statement needed? (What is the goal?)
3. From whom should statements be taken and why?
4. What specific information is needed to reach this goal?

Question 4

Before taking RS

Answer 4

Ensure Recording

Ample Time

Accept Yes or No answers (no ambiguity)

Listen for question sake

Prior Knowledge

Avoid terminology

Save insurance questions for post RS

Question 5

Opening

Answer 5

INFORM the person being interviewed that the recorder is being turned on.

Use the formal INTRODUCTION– do not mention the company name.

Obtain PERMISSION to record:

Obtain sufficient IDENTIFYING information
name - address - etc.

Question 6

Body

Answer 6

TYPE of street or intersection (residential, commercial, etc.)

STREET names

Number of lanes (in all directions)

Direction of all vehicles

Any traffic controls (and for whom?)

Positions before, during, and after impact

Point of impact to all vehicles

Familiarity with the area

Traffic level (light/moderate/heavy)

Lighting in the area

Parked cars

Posted speed limit/estimated speed of all cars involved

Purpose of trip

Obstructions

Question 7

Statement Development

Answer 7

Mechanical Problems
Marital
Employment
Purpose of Use

Question 8

Identification

Answer 8

Where was the individual coming from and going, and why?

Was anyone with them – who? (jumps ins)

Any driving restrictions on their license – what are they?

Were alcohol or drugs involved, etc.

Address cell phone usage. Were they texting? Talking? Do they have a hands-free device? What about the other driver?

Question 9

Location

Answer 9

Landmarks
Signage
Uniqueness to road
Familiarity
Obstructions

Question 10

Accident

Answer 10

The line of questioning should revolve around the actions of all parties prior to, during and after the loss

Where and when did the interviewee first see the other vehicle?

Was there any evasive action taken? What and by whom?

Point of impact to all vehicles?

Final lane and resting position of all vehicles?

Question 11

Diagram

Answer 11

Details

More Details

And More Details

Question 12

Results and Injuries

Answer 12

What injuries
Treatment
Prior injuries

Question 13

Additional Do’s

Answer 13

Confirm the best contact information for the interviewee and secure as many contact numbers as possible.

Ask if there were any other witnesses.

Ask the interviewee at the conclusion if there is any additional information that they would like to add or correct at this time.

Obtain permission from the interviewee to turn off the recorder.

Thank the person for their cooperation.

Summarize the recorded statement in the Notes section of EPIC.

Question 14

Questioning Methods

Answer 14

Allowing the interviewee to talk without interruption.

Closed-ended questions.

Open-ended questions.

Use the questions set forth in the FAULT question guides as a resource.

Question 15

EUO is basically a more formal interview that is recorded verbatim by a court report and may be, on occasion, video recorded as well.

Answer 15

EUO is basically a more formal interview that is recorded verbatim by a court report and may be, on occasion, video recorded as well.

Question 16

EUO Necessary

Answer 16

When the facts of loss conflict with the physical evidence.

When the investigation produces evidence of conflicting facts of loss between participants.

Where an insured produces questionable receipts and or records.

Where the insured refuses to cooperate in the investigation.

Where Claims Management or Claims Legal believes it is necessary.