Should I talk to the insurance adjuster if he or she wants to take a statement from me?

Ideally, you should have a personal injury attorney representing you. Your attorney can communicate with the insurance company on your behalf. Be aware that insurance adjusters may use any statements from you and attempt to deny your claim or reduce your compensation. An attorney communicating with the insurance company on your behalf can ensure your interests are protected. If you do need to speak to an insurance adjuster, stick to the facts of your accident and avoid assigning blame or apologizing.