Originally Posted on June 27, 2014
When an insurance company receives notice of your work-related injury, a claims adjuster will be assigned and often that claims adjuster will seek a statement from you. Most of the time, the statement will be recorded. The statement serves an investigative purpose but could also provide an insurance company with an opportunity to deny your claim.
During the course of the statement, the claims adjuster will likely ask you very specific questions regarding the facts of the accident, the injury sustained, and witnesses. The claims adjuster may also ask about any prior accidents, injuries or medical treatment. It is critically important that you answer the questions fully and truthfully. Failure to do so could be used as a basis for your claim being delayed or denied.
In some scenarios, multiple body parts are injured, but one body part may stand out as the most significant injury. During this stressful time, you may be focused on the most significant injury and you may mistakenly fail to report the secondary injuries. Failure to mention all of the body parts injured in the accident could result in a situation where the claim is accepted, but the secondary body injuries are denied based upon the information you provided during the recorded statement.
During our initial meeting with new clients, we are focused on documenting all injuries. This ensures that all injuries are accurately reported when the recorded statement is given.