No, you do not owe a recorded statement to an insurance company immediately after a car accident, especially not the one representing the other driver. You can take a day to speak with our first before you report your accident to your insurer. If the opposing insurance company ever tries to get you to give them a statement, then you should refuse and inform them that our firm will be in contact with them shortly. No matter how friendly they might act, they are not there to help you get compensation.