The simple answer here is NO. So why not give a recorded statement to the workers’ compensation insurance adjuster? There are a few reasons.
First, you are certainly not required to. There is absolutely nothing in the Maryland workers’ compensation law or regulations that require you to provide any statement to the insurance adjuster. So why would you then.
Second, the insurance carrier represents your employer. They pay benefits. Therefore, they are in the business of reducing liability, in other words, reducing paying of benefits out to injured workers. The adjuster is seeking information and will ask questions in ways to try and deny you the benefits you deserve. They are trained to ask questions in certain ways you may not understand or are a direct attempt to try and get an answer that could be harmful to your case. Additionally, at times, they also seek information they simply are not entitled to know.
Third, the insurance carrier is not your ally or friend. Their interests directly conflict with you interests. Your interests are clear. You want compensated for loss of time at work and you want medical treatment to get better. You also want treated with respect and dignity while you recover from a work-related injury you did not ask for or want. Their interest is to pay out the least amount they can and avoid liability exposure. In other words, they want to save money on your injury. Imagine that! Those interests directly conflict with yours.
Providing a recorded statement benefits the insurance carrier, not you! So what do you do if and when the insurance adjuster calls to seek a recorded statement? Politely refuse to do so. Then contact Mooney Law for a FREE consultation. Call us today at 443-712-7767 or 301-329-3630 to schedule your free consultation. You can also schedule a free consultation by completing the form on our website.