If you’re talking to your own insurance company, the primary thing that they try to determine who is at fault. It really depends on what kind of coverages you have.
For instance, if it was your fault for the accident, and you do not have comprehensive coverage that covers your car, then statements made about you admitting that it’s your fault in the accident, could jeopardize whether you are going to get your claim paid or not, because your insurance company is going to pay for your vehicle to be repaired. So, the long and short of it is that it just depends on the type of coverages that you have and the circumstance of the accident.
That’s why it’s important to talk to an attorney beforehand or a lawyer beforehand so that you could get the exact idea of what you’re dealing with before you start talking to the adjuster.