Insurance Recorded Statement Template

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Table of Contents

What is an Insurance Recorded Statement?

An insurance recorded statement is a formal document that records the details of a conversation between an insurance adjuster and an individual making a claim. This statement is typically used to gather information about the incident, assess liability, and determine the appropriate settlement amount.

The insurance recorded statement serves as an official record of the conversation and can be used as evidence during the claims process. It helps ensure that all relevant information is accurately documented and can be referred back to if needed.

Benefits of Using an Insurance Recorded Statement Template

Using an insurance recorded statement template can provide several benefits for both insurance adjusters and claimants. Here are some advantages:

Efficiency: An insurance recorded statement template streamlines the process of gathering information, making it more efficient for both parties involved. The template provides a structured format, ensuring that all necessary details are captured.

Consistency: By using a template, insurance adjusters can ensure that they ask the same set of questions to every claimant, promoting consistency in the claims process. This helps in evaluating claims objectively and minimizing bias.

Accuracy: An insurance recorded statement template prompts adjusters to ask specific questions, ensuring that all relevant information is captured accurately. This reduces the chances of missing important details or inconsistencies in the claimant’s statement.

How to Create an Insurance Recorded Statement

Creating an insurance recorded statement is a straightforward process when using a template. Follow these steps to create an effective statement:

  1. Begin by introducing yourself as the insurance adjuster and explain the purpose of the statement.
  2. Ask the claimant to state their full name, contact information, and any other relevant personal details.
  3. Ask the claimant to provide a detailed account of the incident, including the date, time, and location.
  4. Ask specific questions related to the incident, such as the cause of the accident or the extent of the damage.
  5. Record any supporting evidence or documents mentioned by the claimant, such as photographs or police reports.
  6. Ask if there were any witnesses to the incident and gather their contact information.
  7. Ask the claimant about any injuries sustained and document any medical treatment received.
  8. Ask about any pre-existing conditions that may have been aggravated by the incident.
  9. Allow the claimant to ask any questions or provide additional information.
  10. Thank the claimant for their cooperation and conclude the statement.

Tips for Using an Insurance Recorded Statement Template

Here are some tips to make the most out of using an insurance recorded statement template:

Be clear and concise: When asking questions, use language that is easy for the claimant to understand. Avoid technical jargon or complex terminology.

Listen actively: Pay close attention to the claimant’s responses and ask follow-up questions to clarify any ambiguous or unclear statements.

Remain objective: As an insurance adjuster, it’s important to remain neutral and unbiased throughout the conversation. Avoid making assumptions or expressing personal opinions.

Common Mistakes to Avoid When Creating an Insurance Recorded Statement

When creating an insurance recorded statement, it’s important to avoid these common mistakes:

Leading questions: Avoid asking questions that suggest a particular answer or influence the claimant’s response. Keep the questions neutral and open-ended.

Incomplete information: Ensure that all relevant details are captured in the statement. Double-check for any missing information or inconsistencies.

Failure to follow up: If the claimant mentions any supporting documents or witnesses, make sure to follow up and gather the necessary information.


An insurance recorded statement template is a valuable tool for insurance adjusters and claimants alike. It provides a structured format for capturing essential information, ensuring efficiency, consistency, and accuracy throughout the claims process. By following the tips and avoiding common mistakes, both parties can benefit from a well-documented and fair assessment of the claim.

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