Especially after an accident.
If you are involved in an accident, an insurance adjuster for the other driver will call, possibly while you are still in the ambulance or at the emergency room. They will promise to pay your medical bills and get your car fixed. More importantly, they will ask "is it okay if I record this conversation?"
The answer is no.
It is not okay if they record your conversation.
Why? Because the adjuster wants to take your official "recorded statement", an opportunity they will seize to ask questions about your medical history and injuries. Later, they will use your statement as a basis for minimizing your injuries and denying your claim for compensation.
What should you do if they ask you for a statement?
Politely refuse. Then, get in touch with a knowledgeable personal injury lawyer you can trust to look out for your interests.