Once they admit their driver is 100% at fault, you can start talking. Otherwise, all the conversations will lead to their attempts at having you accepting some portion of fault. You don’t want that to happen.
However, you still need to be careful not to say anything that would reduce the amount of your valid claim.
For example, when someone asks you “How are you today?” your instinct may be to say”fine” even if you don’t feel fine at all.
That’s one reason it can be helpful to have an attorney handle your claim – to prevent you from saying anything that could hurt your case.