Yes and no. You’re obligated to speak to your own insurance company because you have a duty to cooperate with them in order to get your coverage. But, you’re not required to speak to the insurance company for the person who hurt you.
Every insurance company’s goal is to pay the least amount possible on every claim; never lose sight of that basic premise. So, we encourage all clients not to talk to any insurance company or sign any forms without first consulting an experienced accident lawyer.