[speeder]

You do not have to talk to them, period. Why on earth would you want to?? It's between your insurance co. and them. The only reason on earth for them to speak to you is to try to get you to say something against your interest. The police accident report has all of the pertinent info.

I can't stress this enough. When my Dad was a lawyer, his biggest problem was getting clients to keep their mouths shut. Normal people on the street are no match for insurance companies or their legal dept. (who may be interviewing you). I got rear-ended by a commercial truck last year and their insured called me and tried to do a recorded interview with me on the phone. I said, 'sure, but you'll have to send someone over to blow me during the call. It's the only way I would be relaxed enough to remember everything. WTF do you take me for? Go pound sand." I told them they could talk to my lawyer if they wanted, never heard from them again. They grabbed their ankles and paid-out.

If I sound like a prick here, (hehehe), believe me: they were trying to get out of paying. Period. That's how you run a business these days. Bring up the *lawyer* word, even if you don't really have one, and they disappear like a fart in the wind.