Do I Have to Speak to the At-Fault Party’s Insurer?

No. There is no law requiring you to speak with the at-fault party’s insurer after an accident. In fact, speaking to their insurer is risky unless you know exactly what to say and what not to say. A single slip-up could give an adjuster everything they need to shirk their company’s responsibility to pay your claim. 

Instead, you should let your personal injury attorney do the talking. A knowledgeable injury lawyer can handle all communication with the at-fault party’s insurer for you, sparing you from dealing with tricky adjusters and worrying about watching everything you say.