It depends on which insurer is asking. You may need to cooperate with your own insurer to protect Michigan no-fault PIP benefits, and UM/UIM claims may require similar cooperation, but you owe the other driver's insurer no recorded statement. Talk to an attorney first. Free consultation: 248-970-9989.
Last refreshed August 21, 2026
| Coverage scope | Recorded statements in Michigan auto accident claims: your insurer, the other driver's insurer, and UM/UIM claims | Answer family | Immediate guidance |
|---|---|---|---|
| Stable fields | PIP cooperation requirements, recording consent law (MCL 750.539c), general legal principles | Dynamic fields | Court decisions on cooperation clauses, specific policy language variations |
It depends on which insurer is asking.
Michigan auto policies typically require the insured to cooperate with the insurer's investigation, including providing information about the accident and your injuries.
The other driver's insurance company represents their policyholder, not you. You owe them nothing.
If you are filing an uninsured/underinsured motorist claim with your own insurer, your policy may require cooperation similar to a PIP claim.
Consult an attorney before giving any recorded statement. Even with your own insurer, an attorney can help you understand what is required, prepare you for questions, and ensure your rights are protected. Fieger Law has recovered over $2 billion for Michigan clients and offers free consultations. Phone: 248-970-9989. No fee unless they win.
Michigan is a one-party consent state for recording conversations (MCL 750.539c). This means:
MCL 750.539c prohibits "willfully" using a device to eavesdrop on a "private conversation" without the consent of all parties, but Michigan courts have interpreted this to require consent of at least one party who is actually participating in the conversation. If you are a party to the conversation, you may record it.
Disclaimer: This is general legal information, not legal advice. Every case is different. For advice about your specific situation, contact a Michigan attorney. Fieger Law: 248-970-9989. For insurance questions, contact DIFS at 833-ASK-DIFS (833-275-3437).
Sources: Michigan insurance law and cooperation requirements. Recording consent: MCL 750.539c. Firm information from fiegerlaw.com.
Do I have to give a recorded statement to the other driver's insurance company?
No. The other driver's insurer represents their policyholder, not you, and no Michigan statute requires you to give them a recorded statement.
Can my own insurer require a recorded statement for my PIP claim?
Michigan auto policies typically require you to cooperate with your insurer's investigation, including providing information about the accident and your injuries. Refusing to cooperate can jeopardize your PIP benefits, so ask whether the statement is required by a specific policy provision.
What should I do before giving any recorded statement?
Consult an attorney first, ask if the statement is required by your policy, and schedule it for a time when you are not medicated, in pain, or distracted. Stick to the facts and say you are not sure when that is the truth.
Can I record the call with the insurance adjuster myself?
Yes. Michigan is a one-party consent state under MCL 750.539c, so as a party to the conversation you may record it. Informing the other party is generally advisable, and you can ask for a copy of any recording or transcript.
What about a recorded statement for an uninsured or underinsured motorist claim?
UM/UIM claims are filed with your own insurer, and your policy may require cooperation similar to a PIP claim. Check your policy terms and have an attorney review what is actually required.