You've been hurt. It wasn't your fault.
You're contacted by a claims adjuster for the other side. The claims adjuster asks if it's okay to record the conversation. [You should say no.] The claims adjuster seems friendly and caring but asks you lots of well-phrased questions which seem to suggest that maybe the accident was at least partially your fault, or that maybe you weren't really hurt that much.
Later, you're offered a small settlement.
If you argue about the amount, the claims adjuster will probably bump it up a few dollars, but that's all. Claims adjusters are not bad people, but they are not your friends, either. Their job is to settle claims for as little as possible.
Insurance companies are businesses.
They make money by investing premiums and minimizing the amount paid out in claims. When you get hurt, you need an advocate to help you figure out what you really deserve, and then to help you get it. Call me. We can talk as long as it takes. There's no charge.
Francis T. Gieringer, Attorney at Law, 254 North First Avenue Suite 201 Hillsboro, Oregon 97124 503 648 3004 firstname.lastname@example.org