The short answer is no and no. You are not required to give a statement to the other driver’s insurance company, period. Further, we generally recommend that you do not, especially where there was a police investigation report. The insurance adjusters know what they are doing, what to ask you and how to ask it which could come back to harm your case at a later time. There can be exceptions, and in some circumstances, if your insurance carrier requests a statement, you are sometimes required to give it as part of your “duty to cooperate” with your own insurance company.
If you were injured or suffered property damage in a collision, you might be wondering exactly how an attorney can help you -- or whether it's a good idea to try to deal with the insurance company by representing yourself. Much depends on the specific issues, but a lawyer can help you with the following:
obtaining a rental car;
ensuring you have the necessary and recommended medical care;
obtain evidence regarding the collision so that a reconstruction of the accident can be performed;
work with you doctors to make sure they provided the medical information necessary to prove the damages you have sustained consistent with the law;
communicate with the other driver’s insurance company;
organize and present the evidence in order to prove liability and damages
negotiate with lien holders on your claim (such as health, disability, or workers’ compensation insurers) to potentially reduce the amount of those liens,
and negotiate a reasonable settlement with the insurance company or defense attorney.