Short answer: report the crash to your own insurer if your policy requires it, but be careful before you talk to the other driver's adjuster, and don't give a recorded statement until you've spoken with a lawyer. You are not required to.
Here's the thing. The adjuster is friendly, but they work for the insurance company, and their job is to pay out as little as possible. Early in a claim they'll ask how you're feeling, and a polite "I'm okay" can get used later to argue you weren't really hurt. They may ask you to recap how the wreck happened. In California, which is a pure comparative-fault state, any slice of blame they can pin on you reduces what you recover. So the "quick question" isn't always so quick.
You also don't know the full extent of your injuries yet. Some symptoms from a car accident or a motorcycle accident show up days later. Accepting an early number or locking in a statement can hurt you once the medical picture is clearer.
This is general information, not legal advice, and every case is different. But you don't have to handle the adjuster alone. Let us deal with them while you focus on getting better. Learn more about personal injury claims or reach out through our contact page.
Call Joe Crudo at (858) 622-7280 for a free, confidential consultation before you say a word to the other side.