Other driver's insurance called me the morning after the crash — what do I NOT say??

That fast callback is not a coincidence — they are trying to get to you before you talk to anyone else. The whole point of calling you the morning after is that you're rattled, you haven't seen a doctor, and you might say something like 'I'm okay' or 'it wasn't that bad' just out of habit. Those words can follow you through the entire claim. Do not call them back until you at least know what you're dealing with medically.

I used to work claims and I'll be straight with you — getting that early recorded statement is literally a priority task in a lot of companies. Adjusters are trained to be friendly and casual so you let your guard down. The second you say anything minimizing your injuries or imply any shared fault, that goes in the file. You are under zero legal obligation to give the other driver's insurer a recorded statement. Your own insurer is a different story depending on your policy, but the adverse carrier? No.

Not legal advice, but since you asked about the no-fault question — in no-fault states, you typically file your initial injury claim with your own insurer for medical bills and lost wages up to a threshold, regardless of who caused the crash. The other driver's insurance becomes more relevant if your injuries exceed what's called the 'serious injury' threshold. Getting that wrong early — like filing with the wrong carrier or missing a deadline — can actually affect your options later. Worth a quick consult before you say anything to anyone.

This was me about eight months ago. I called the other insurance back because I felt like I was supposed to cooperate and be a good person about it. I said I was 'a little sore but fine.' I was not fine. Ended up with a herniated disc diagnosis three weeks later and suddenly my whole claim was an uphill battle because of that one phrase. Please go see a doctor TODAY and let that visit do your talking for you.

Please go get checked out before anything else. Soft tissue injuries — neck, back, that kind of thing — genuinely can feel manageable on day one and then become really painful by day three or four as swelling sets in. It's not exaggerating, it's just how the body responds to trauma. Having documentation from an ER or urgent care visit creates a medical record that starts at the right time. If you wait a week, there's always going to be a question about whether the gap means you weren't really hurt.

Simple rule: don't say anything to the other driver's insurance until you've seen a doctor and at least had a free consult with an attorney. Most PI lawyers do free consultations. It costs you nothing and it means you know what you're walking into. The adjuster will still be there next week — they're not going anywhere.