Do not speak with him or her. If you have counsel (legal representation), an insurance company should never call you directly. If you do not have a lawyer, tell the rep that you are in the process of hiring an attorney and will have that lawyer return the call. Do not under any circumstances discuss the accident. Do not be pressured into continuing the conversation. If you have not done so, contact a personal injury attorney. Only a knowledgeable, experienced personal injury attorney can truly protect your rights.