It's important to not say anything to the other or the police officer which can be interpreted as an admission of liability.  A simple apology could work against your claim as the insurance company's lawyer may use this as an admission of negligence on your part.

To learn more about Richmond car accidents, check out the Richmond Accident Book, provided to you free by Richmond attorney Bob Battle.
Bob Battle
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100% of my practice is devoted to serious traffic defense and criminal litigation in state and federal courts