You should contact your insurance company after the accident. You may also receive a call from the other driver's insurance company. You do not have to give a recorded statement to any insurance company. You should refrain from making a recorded statement because you may not be aware of all the factors contributing to the accident. An investigation could reveal details determining who's liable or how much blame each driver has for the accident. Your car accident attorney can protect you because your attorney can handle negotiations with insurance companies.