Sometimes people believe they don't want to be seen as greedy so they choose to try to directly deal with the insurance company.  This is a terrible mistake if you have been injured.  The insurance company for the negligent party will be well represented by an experienced attorney, and they will act in the best interests of the insurance company.

That typically means that they simply want to have you waive your potential claims, and avoid paying you the money you deserve, as that is what is best for the insurance company.  Again, they are not acting in your best interests, and that is why it is so critical for you to have experienced attorneys to act on your behalf.  It is not unusual for insurance adjusters to attempt to contact the injured person even while they are still hospitalized, or for them to speak with friends and family of the injured person, attempting to obtain statements that they will use against you at a later time.  The insurance company will start building their case immediately, when you are simply focusing on trying to recover. 

That is why you should not make statements to them, and should hire someone to work on your behalf  immediately.  Obtaining an attorney to represent you is essential in determining whether you are entitled to recovery, advise you how to protect your rights, and to begin collecting information and evidence to ensure that you get the recovery you deserve.  Indeed, at times evidence necessary to establish the fault of the other driver will be lost if not obtained immediately.  At other times, your injuries may far worse than first realized, and at times the injuries can actually be life altering.  If you unintentionally compromise your rights, it is you and your family that may suffer through no fault of your own.  The insurance company will have an experienced lawyer .....so should you.