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Why should I not talk to the other driver's insurance company?

Insurance adjusters have been trained to manipulate the conversation, ask leading questions and use sneaky tactics to get you to admit you were partially at fault for the crash even if you were not. They also will want to record the conversation, which will almost certainly be used against you. 
Richard N. Shapiro
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Personal Injury & Wrongful Death Lawyer Serving Va Beach, Norfolk, Chesapeake & all of Virginia