You have no obligation to contact the insurance company which insures the person who caused the car wreck. You also have no obligation to talk to this insurance company if they call you. In most cases, the insurance adjuster for the person at fault will attempt to contact you immediately following the accident in order to take a recorded statement.

Both the parties to the accident and the insurance companies tend to use auto accident claim lawyers to resort to litigation. These lawyers attempt to solve questions of fault, damaged vehicles, obtain recovery damage for injuries, and settle claims for all kinds of damages.