First of all, let’s make this clear: you are not required to speak with the other party’s insurance company. If they say that you are, they’re lying and you should hang up immediately.
Of course, you must contact your own insurance company after being in an accident, but that’s another story.
If you feel like you must, say as little as possible while still being polite. Remember that anything you say could be used against you in your claim, which means your case could be compromised and you won’t receive compensation.
You should avoid saying things like, “I’m fine,” “It wasn’t that serious,” or “My injuries aren’t that bad” when speaking with the other party’s insurance. You should only answer the question being asked and never volunteer information, and never agree to have your statement recorded.
If you already have a lawyer when the other party’s insurance calls you, tell them to speak with your lawyer. If you don’t, tell them you’ll call them back when you have a lawyer present, and then hire one as soon as possible.