If you've been in an automobile accident, it would be our recommendation that after you immediate medical concerns are addressed that you reach out and hire an attorney. In no way, shape, or form should you speak to the other person's or negligent party's insurance company because that could only hurt you - they cannot help you.
Once there is an accident, it is time for them to pay out - it is a dogfight. If they are able to not pay you, they save their company or shareholders that much more money that will drop to their bottom line. It would be best to reach out for representation right from the onset so that person can lift that burden off your shoulders and do what that person does best, which is exactly what we do here at the Stern Law Group.