You are under no obligation (at this point) to speak with the insurance company. However the insurance company will have a right to step into the shoes of its insured and pursue reimbursement for damages if you were negligent. While you can be evasive, the easiest course of action would be to not discuss liability but to discuss resolution of the claims with the adjuster.
Answered on Oct 09th, 2012 at 3:29 PM