Any entity that works for the other side is never looking out for your best interests. The words may sound nice and the tone soft and kind, but make no mistake: Its only interest is in protecting its client. The insurance company makes money by collecting premiums and paying out as little as possible. If it can convince you to agree to a settlement, you may be giving up your rights to fair compensation. You should have an expert personal injury attorney. Only your attorney should speak with anyone representing the defendant.