If your own insurance company’s adjuster contacts you (or the PIP carrier for the car in which you were riding), you must cooperate. Be advised, though, that the adjuster will want to record your discussion and will then hold you to your statement later regarding your injuries, property damage and how your accident occurred. If an insurance adjuster for another operator’s liability insurance carrier contacts you, you have no obligation to speak with him or her and you may defer any contact until you seek legal assistance. In any case, be careful and be sure not to do anything until you speak to an attorney.