Should I talk to a lawyer before talking to insurance?

Yes. Ideally, you should consult with a lawyer before giving any statement to an insurance company, especially the at-fault party's insurer. Insurance adjusters may seem friendly, but their goal is to minimize what the company pays. Anything you say can be used to reduce your claim. Common tactics include asking for recorded statements, getting you to admit partial fault, or encouraging you to accept a quick settlement before you understand your injuries' full extent. This is especially important for severe injuries. Insurance companies are highly motivated to settle catastrophic injury claims quickly, before you understand the lifetime impact and true value of your damages. A brief consultation with an attorney (usually free) can help you understand what to say, what not to say, and how to protect your claim's value.