First off, take a deep breath—your dad is right on the money here
I’ve been in your exact shoes before, and I know how overwhelming it feels when the phone won't stop ringing while you're still processing the shock of the crash. To answer your main question: No, you definitely shouldn't give a recorded statement right now.
It’s completely normal for the other driver’s insurance company to call you immediately. Their goal is to close the claim as quickly and cheaply as possible. They aren't calling to be "helpful neighbors"; they’re looking for any reason to pay you less. When they ask how you're doing and you say "I’m okay" just to be polite, they will use that against you later if your "soreness" turns out to be a real injury like whiplash or a herniated disc.
Why you should wait on that statement
- Adrenaline masks pain: You mentioned feeling "a bit sore" today. In my experience, that soreness often peaks 3 or 4 days after the accident. If you give a statement now saying you're fine, and then you can't get out of bed on Friday, the insurance company will point to your recording and say you're faking it.
- Trick questions: These adjusters are trained to lead you into saying things that sound like you might be partially at fault, even if the guy blew a stop sign.
- Totaled car headaches: If your car is totaled, the valuation process is a whole battle on its own. You don't want to give them any leverage until you know exactly what your car and your health are worth.
Should you get a lawyer?
You don't necessarily have to hire one this very second, but you should 100% get a free consultation. Most personal injury attorneys don't charge anything unless they win your case, and they can handle all those annoying phone calls for you. Once you tell the insurance company, "I'm represented by counsel," they are legally required to stop calling you directly. It’s a huge weight off your shoulders.
A few practical tips for right now:
If you aren't ready to call a lawyer yet, just tell the adjuster: "I'm not prepared to give a statement while I'm still seeking medical evaluation. I'll be in touch once I have more information." Then, hang up.
Also, go see a doctor today. Even if it's just an urgent care visit. Having a medical record of your soreness from the week of the accident is the most important piece of evidence you can have if things get complicated later.
Hang in there! It’s a huge pain in the neck (literally and figuratively), but don't let them rush you into making a mistake that costs you thousands of dollars down the road.