What should I say or not say to the insurance company?
Ideally, you should let an experienced pedestrian accident attorney speak to the insurance company on your behalf. The insurance company will attempt to use any statements you provide them as evidence against you.
The company’s goal is to reduce the amount of compensation they pay to you. The company may try to deny your claim outright. If you do have to speak with the insurance company, you should limit that conversation to the facts of the accident as you remember them. Avoid assigning blame for the accident. Do not make any statement that could be construed as an apology.