The call could come at any time after an accident. You could be in the hospital. You could be at home recovering. It could come when you are on medication that makes it hard for you to communicate. The call is from the insurance company and the caller asks you to give a recorded statement. If you say yes, what follows are detailed questions about the accident, about what you saw and when, what treatment you received, what the doctor told you, how you feel now and do you think you will have problems in the future. Every word will be recorded for later use. There are many things to think about before you decide whether to talk or not talk to the adjuster. It is important that you have help from someone with experience dealing with insurance companies before you make that decision.