Recorded Statements are almost always required by an insurance company when there is an auto collision. Adjusters will contact you after you file a claim and tell you they need to take the statement. It is very much standard practice and there seems no way to object or to decline taking a recorded interview. The issue with this of course is that no many people like to be recorded in a conversation. Adjusters and insurance company attorneys can and will use the statement against you. They will tell you that you have said this and that, in a recording, to simply devalue your claim or deny coverage.
Most out policies do require cooperation with the insurance company, but they do not require you to be recorded while talking to them. You want to cooperate with them, of course, but agreeing to be recorded is not a requirement.