There’s no requirement under Florida law that anybody give a recorded statement to the other person’s auto insurance company before a lawsuit is filed. Therefore, if anybody approaches you after an accident to take a recorded statement and it’s not your own insurance company, our advice is simply don’t do that, and immediately call an attorney. Do not speak to any insurance adjusters, even if they don’t want a recorded statement, if they’re from the other companies. Call an attorney first. Let that attorney represent you.
If you do have a statement recorded, it can be only used against you in a court of law, and they’ll use that to cross-examine you if you’re up being deposed or if you’re giving live testimony at trial. That statement is going to most probably be used against you. Our advice is never give a recorded statement to the party on the other side.