Generally, you are NOT required to talk to the insurance company of the place where you fell. The reason is that you have no contract with them. I generally advise my clients not to speak with the other insurance company and certainly NOT to give a recorded statement. At a minimum, you may have a lawyer prepare you for any statement with the adverse insurance company and have the lawyer on the phone with you at that time. Oftentimes, people do give statements and I have seen many instances where when I show the client the statement they gave to the insurance company the do NOT think it is accurate. But once the statement is taken it CAN be used AGAINST you in a court setting, which is why it is important NOT to give a statement or to have your lawyer prepare you for same. In my view, the statement ONLY helps the insurance company. The more times you tell a story, the more likely you will have some slight differences in it and that can be bad in a court setting.
