That depends on whose insurance adjuster is calling. As a general rule, you are required to talk to an adjuster from your own insurance company since they are trying to help you.
However, you are not required to talk to the other driver’s insurance company. In fact, it’s best if you don’t. Because they are out to help their own client, they are more likely to second-guess your story or try to trick you into saying something you might regret later.
If you are uncomfortable talking to an insurance adjuster regarding your accident, politely decline to comment and contact an experienced southern Maryland accident lawyer for help on what to do next.