Immediately after the accident, talk to your insurance company only to notify them that an accident occurred. You should carefully evaluate whether you may need legal representation before giving detailed statements, and especially tape-recorded statements or interviews, to either your insurance company or the insurance company of the person who caused the accident. Often, insurance companies want to settle the matter quickly, possibly before you know the full extent of your injuries. If you make a settlement agreement with an insurance company, and then discover later that you have additional medical bills or time off work for which you were not compensated, you will not be able to get more money later.
Many law firms, including the Bernard Law Group, offer free initial consultations. Before having settlement discussions with an insurance company, you may want to consult with an attorney.