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Should I Talk with the Insurance Company for the Other Driver?

You do not need to explain anything to the other person’s insurance company. If you are discussing payment for your car, stick to the basics. If the other company asks about your injuries shortly after the wreck, you can simply tell the adjuster you are hurt and will call back after completing treatment. You should not answer specific questions. You should not provide a recorded statement. You should not sign any authorizations for the other insurance company to obtain your personal records without consulting an attorney. If your injuries are significant, you should seek legal advice.