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At some point after an accident, you will be approached by an insurance adjuster who represents the insurance company of the person who caused the accident. No matter how friendly and caring, the value of this adjuster may appear, he works for the insurance company and his job is to save that company money. He does that by reducing your claim.
He may try to convince you that you should accept a lower settlement. He may try to convince you that you were at fault, partially or completely. He may try to convince you that you do not need a lawyer. At no time will he be working on your behalf. His sole job is to protect the insurance company and he will use every technique he knows to do so. In face in one recent case an insurance adjustor dressed like a priest to get a person to accept a lower settlement.
Although you should always be courteous, you are not required to give any oral statement to the other side's insurance company. Listen to what he says and note the questions he asked, but do not enter into a dialogue with him. Tell your lawyer what was said and have him evaluate your case. He will be able to direct you as to necessary communications with the defendant's insurance company.