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Yes, It's part of your insurance contract that you signed when you applied for coverage. All insurance contract terms require that a statement be given by any and all parties regardless of age so that the Insurance Company can determine who is At Fault.

Refusal of a statement can cause you to be found liable by default of your insurance contract. It makes you sound guilty as you seem to have something to hide.

It's usually the at fault party who is is afraid or refuses to give a statement. In these circumstances you will generally be determined at fault and will be entered in your insurance record and you insurer will have to pay the other party for all damages up to your policy limit.

Refusal to honor the terms of your contract by not giving an accident statement can also cause your insurer to cancel your policy and you may have difficulty finding another insurance company in the future as your driving record will indicate that you are uncooperative and you have violated the terms your previous insurance contract.

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Q: Does a 17 year old driver have to give a statement to the insurance company if he was not at fault in an accident?
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