It’s always best to speak with your lawyer before you speak with your insurance company. They can then explain your rights and make sure that your report to your insurance company is done correctly and won’t potentially compromise your case. You can also request that the insurance representative deal directly with your injury lawyer on your behalf. This will ensure you are always protected. This is not to say that insurers will try to do something improper. It is simply that you are best served by a personal injury lawyer who understands the laws and the insurance process, is there to understand your needs, and advocate on your behalf.