Ask whether the claims adjuster would have any objection to your having counsel present during your statement. Ask whether you can give a statement for purposes of assisting the claims adjuster's investigation but with a stipulation that it shall never be introduced in court against you. Ask whether the claims adjuster has any preliminary idea or indication of who was at fault in the accident. Claims Adjusters have a difficult job to do, and they frequently deal with dishonest and unreasonable people. If there is any possibility, however remote it may be, that the adjuster is gathering evidence to diminish or dilute your claim, you should be warned explicitly by the adjuster who is asking you to give your recorded statement.
Most adjusters are honorable people, but the primitive creatures are lurking in their midst.