Don't sign anything without consulting an attorney. Don't attempt to negotiate with an insurance company (your own or the other party's) without consulting an attorney. Don't make any kind of statement, even one the insurance company rep or other party tells you is "off the record", without consulting an attorney. Don't downplay your injuries before you know the extent of them—it's not always immediately apparent how serious your injuries are, and if you've said you were "fine" at the scene, that may come back to haunt you. The bottom line is that it's best to get advice from an attorney before taking any kind of action outside of seeking medical attention.
