You should not speak to the insurance company. The insurance industry is a wealthy one. The financial resources State Farm Insurance, Allstate Insurance, Farmers Insurance, and Liberty Mutual are vast.  These companies spend a lot of money training their employees to minimize the value of personal injury claims. While the accident and injury lawyers at Koester & Bradley have had success holding insurance companies accountable, it is always a fight.  This is why it is vital after an auto accident to: First, contact law enforcement and tend to immediate injuries; Second, contact an experienced attorney such as the legal team at Koester and Bradley before giving any recorded statements or even speaking with representatives from insurance companies; Third, never agree to any type of settlement offer or agree to releasing medical information without first consulting at attorney.