Whether or not you have to give a recorded statement to an insurance company and a car crash depends upon which insurance company is asking for it. If it is the insurance company for your self, then you are likely required to get that statement under your policy of insurance. If it is for the adjuster of the other party in a crash, then no, you don’t have to. But whether you decide to give a statement or not give a statement, I would strongly recommend you consult with an attorney first and that you have and attorney present during the recorded statement.