We highly recommend that you speak with a lawyer first. An attorney is best able to alert you about issues within your case that may arise. If you decide to retain an attorney, he can contact your insurance company for you. It is known that the statements you give to an insurance company are recorded. Even if they interview you right after the accident, because that way they feel that the locked you in a certain version of the facts. So that if an attorney decides that your statement to the insurers is appropriate, then he can arrange for that statement to be given when he can be present to protect your rights and interests.