You may not see the need to speak with a lawyer after you’ve suffered an injury, especially if your medical costs are relatively low and the insurer is willing to pay for all of your care. However, if an insurer is denying payment for serious injuries that will likely take weeks or months to heal, you should definitely consider hiring an attorney to help get you the compensation you deserve. 
Risks of Negotiating With an Insurance Rep Without a Lawyer
It’s important not to attempt negotiations with an insurance rep by yourself. You likely don’t have the same level of experience that a rep does, and insurance agents spend years learning tactics that allow them to deny or devalue claims instead of paying out. An injury attorney can advise you on information you shouldn’t give to an insurance rep because it could be used against you. Additionally, a lawyer can speak to bill collectors and insurance companies on your behalf.
You may not be fully healed.
This poses a risk for two reasons. One, you are not operating at your full capacity, and you should be focused on your recovery rather than fighting with an insurer. Two, your medical condition may not have stabilized, leading to future costs that will not be covered if you accept a settlement.
You don’t know your full compensation.
Victims may leap at what seems like a reasonable settlement, even if it does not pay for the full extent of their injuries. An attorney can accurately estimate past and future expenses, ensuring that payment will compensate you for all of your losses.
