Well, the first thing you have to do is determine who are they representing. If it's your insurance company, you may need to cooperate with them to make sure that you get your insurance benefits. But, if it is the insurance company for someone else who may be a potential defendant and possibly responsible for your injury, do not talk to the insurance person, because they're only looking for evidence to use against you. Anything you say can be misconstrued against you. Even if you're totally honest and forthright, doesn't matter. They can twist your words, and that's what they will seek to do in order to protect the insurance company's interests. They do not represent you. You need your own representative, an experienced attorney to deal with that.