The insurance company’s job is to box you into a corner and minimize their exposure to you, ie. minimize what they will have to compensate you. The way they do this is to get you “on record” saying what appears to be innocuous facts but in reality are often harmful admissions. This is done by contacting you very shortly after the accident happens, pretending to be friendly and helpful and asking you to make a recorded statement.
A recorded statement should be your first red flag; why do they need to record your statement? Don’t do it! The reason is because they want to ask you leading and suggestive questions which are against your interest. Then when you answer their questions they have begun to box you in because you are now on record saying things that appear innocuous but in reality are harmful to you. Always bear in the mind that the insurance company is not your friend and you would be well advised not speak with them.