If you plan to immediately contact an attorney to discuss your case, politely refuse to talk to any insurance adjustor for the time being – your attorney will help you navigate insurance discussions and can legally represent you in front of insurers. If you do not plan to retain an attorney in the near future, you may want to have a short conversation with an insurance adjustor to initiate the claims process. You are not legally obligated to talk to another party’s insurer at any time.