Who you should believe. 
If you are injured as a result of the conduct of another person (or entity) then you should be entitled to receive fair compensation for your loss and damages. The compensation is owed to you by the person (or entity) that caused your loss not the insurance company that represents them. Also, you might be entitled to compensation from a contractual obligation (insurance policy) that your insurance company owes you if you purchased the right coverage. Examples would be med-pay, uninsured and underinsured claims. Your company does have an obligation to act without bad faith with you to resolve your claim. The point is that when dealing with an insurance company that insures the other person never assume that that company owes you anything and never assume that the company is there to help you. If you do the odds are that you will not recover the fair compensation that you are entitled to receive. Remember that if you have to have a jury decide your claim then you will normally be filing a lawsuit against the person (or entity) not their insurance company.

Do not delay in seeking medical treatment.
If you are hurt then go get medical attention. The most important thing we have is our health so address the problem with your medical provider. Failure to seek treatment can also affect the value of your claim.  Don't expect the other insurance company to start paying your medical bills. It will want to settle your entire claim at one time and get a signed release from you first. Most states require that your own automobile insurance company offer you med-pay coverage which will pay (up to a certain limit) any of your medical expenses which are reasonable that are related to a wreck no matter who caused the wreck. If you are not sure if you have this coverage then read your policy or call your agent and just ask them. In the insurance world this coverage is used all the time and since you have been paying for it use it. Don't worry. Your company gets its money back when you recover from the other party.

Don't let ANYONE talk you into reaching a settlement!
If you receive injuries you should never discuss settlement with an insurance company until you have received all the medical treatment needed and a determination is made by your medical provider as to anticipated future treatment and medical bills. Insurance is big business and the bottom line is money.

You should always talk to an attorney early in the process.
Now days you can talk an attorney for free about your matter. You don't have to hire them to represent you. Most law firms give free general advice to the public regarding personal injury claims. Write down all your questions and call your attorney. If you don't have an attorney don't rely solely on advertising to find one. This can be misleading because advertising is based upon money not legal ability. Ask your friends, relatives and co-workers who they recommend. Word of mouth is the most reliable advertising there is for a law firm.