Depending upon the type and severity of your accident, insurance adjusters or defense attorneys may contact you before you have even begun the process of filing an insurance claim or identifying the responsible party. In many cases, this is a sign that they recognize that their company may ultimately bear financial responsibility for the accident, so they quickly try to minimize that financial burden by talking to the accident victim. Because of this, you should always wait until you have retained a personal injury lawyer to talk to the insurance adjusters. Sometimes even innocent statements can come back to haunt you in a personal injury lawsuit down the road, so it’s important to make sure your rights are protected and to remember that the insurance companies are, unfortunately, not on your side—even if it is your own insurance coverage that is at issue.