Florida insurance resource
When a Florida insurance adjuster asks for a recorded statement
After a Florida crash, an adjuster may ask to record a phone conversation about what happened. This page explains what that request generally is, what to note before any call, and how to keep a written log. Whether you have to give a statement depends on your policy and on who the adjuster represents.
Not legal advice. AnswerSignalApp is not a law firm or a medical provider and does not give legal or medical advice. This page summarizes, in general terms, what the official sources linked below say, and points you to them.
What a recorded statement request is
An adjuster asks to record your answers to questions about the crash, injuries or treatment. The recording becomes part of the insurer's claim file. Florida DFS separately describes an examination under oath as a more formal process some insurers use to document statements.
Before any call: facts to note
- Which company the adjuster works for, and whom that company insures — your insurer or another party's.
- The adjuster's name, phone number, email and the claim number (kept in your own records).
- What the adjuster says the statement is for, and whether it can be scheduled for a later time.
- Your own policy's section on cooperation or statements, if your insurer is the caller.
Keep a written log
- The date, time and length of every call.
- Who you spoke with and a short summary of what was asked and said.
- Any follow-up promised, and copies of letters or emails.
It is reasonable to ask for requests in writing so you have a record. If you are unsure about an injury or treatment detail, it is reasonable to say you do not know yet rather than guess.
Obligations depend on the policy and the claim
What you may be required to do can differ between a call from your own insurer and a call from another party's insurer, and between policies. This page does not tell you to give or refuse a statement. Review your policy, or ask a licensed Florida lawyer. See also when a Florida insurance adjuster calls.
Official sources for this page
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Editorial note: Sources and limits: the Florida DFS auto insurance overview (including its examination-under-oath description) and DFS consumer-assistance page. Note-taking tips are general orientation, not a statement of policy obligations. It was compiled internally by AnswerSignalApp from the linked official sources and was not written or reviewed by an attorney. It is not legal advice. Official guidance can change after the review date. Last internally reviewed: October 19, 2026.
Related Florida legal resources
Informational guides only — not legal advice.
- When a Florida insurance adjuster callsWhat to note, whose insurer is calling, and asking for written follow-up.
- Who pays medical bills after a Florida car accident?PIP, health insurance, MedPay, liability and UM/UIM as separate coverages.
- Keeping injury information and records togetherPhotos, report number, witnesses, bills and messages, organized for yourself.
- All Florida legal resourcesEvery guide, grouped by injury, insurance, criminal, records and lawyer topics.
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Related intake pages
Recorded statement FAQ
- Am I required to give a recorded statement?
- It depends. Obligations can differ by policy and by whether the caller represents your own insurer or another party's. This page does not tell you whether to give or decline one; review your policy or ask a licensed Florida lawyer.
- Is a recorded statement the same as an examination under oath?
- No. Florida DFS describes an examination under oath (EUO) as a more formal step some insurers request to officially document statements. A recorded phone statement is generally less formal. Your policy may describe both.
- Can DFS help with my claim?
- The Florida Department of Financial Services' consumer assistance team can help consumers understand insurance issues. It does not give legal advice.
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