Sculpturing Since Birth

Is it ok for Insurance companies to randomly throw allegations at you? I was aware that when chatting to them you have too be careful what you say, as everything even slightly incriminating will come back to bite you in the ass at a later date. But the other day I had had an accident (completly not my fault – guy crashed into the back of me) so thought I should fill in some written log while I was explaining the scenario over the phone to my insurance broker. Trouble is they are cheeky people and try and talk you into admitting fault. On several seperate occasions I was asked ‘do you think it was your fault’ and ‘what where you doing not looking at the wheel’ and other such allegatory questions. Is it really fair game for them to do this, so as to trick you into admitting fault?