The adjuster should begin the investigation with a detailed statement from the insured. It is preferable to record the statement. More detail and clarity can be received in a recorded statement than in a written statement.
The recorded statement is easier to take, because writing notes is unnecessary and continues eye contact can not be maintained with the interviewee.
From the insured, the investigator will determine the elements of the accident that brought about the claim.
Our SIU, will meet with the claimant to obtain his or her side of the story as to how the accident occurred. If the claimant is represented by counsel, the investigator will communicate only with the attorney. Our SIU will make the appointment with the attorney to take the claimant’s statement, and the attorney must be present for the interview.
A recorded statement from the claimant is essential. SIU, will have the claimant answer the same questions asked of the insured. During the interview, SIU will not allow the attorney to answer the questions.
Our SIU will also interview each witness, and if they are willing, obtain recorded statements from them. If witnesses are unknown or unidentified, the investigator will visit the scene of the accident and interview people who may have been witnesses.
Depending on the severity of the incident, SIU will take photographs of the scene of the accident showing what, and where the accident occurred. The photographs will also show all damage, and (if applicable) skid marks on a road surface.