Are you an innocent accident victim? And let me guess: the insurance adjuster wants you to give a recorded statement? Don't! Not until you know your rights and know how that insurance company intends to use that statement.
The adjuster in your case knows where he or she is going in your case. Do you? The insurance company will likely delay or even unjustly deny your claim because they know that if they can stall long enough you'll get desperate and accept that little settlement they are offering. Settling claims on the cheap is how they make money for stockholders and bonuses and promotions for themselves. Find out where your case is going if you don't get help.