Should I talk to the insurance company?

Any time there is a collision there are automatically several different insurance policies involved.  There is the insurance policy of your vehicle and the insurance policy of the vehicles of other drivers who caused the collision.  You are not obliged to talk to the insurance company for the other driver.  The insurance company for the other driver is focused solely on saving money and paying you as little as possible.  Many insurance adjusters can be quite charming, friendly and understanding but they have no obligation to you; only to their policy holder.  If you are injured, you should immediately contact the highly qualified accident collision lawyers at Clark & Steinhorn to receive advice and help in dealing with the insurance companies.  Even if the subject is repairing your motor vehicle, receiving a rental car and other mundane matters, insurance adjusters are trained to elicit information from injured participants that is harmful to their claim.