There are some situations when you can settle your injury case without a lawyer. However, it is my personal belief that insurance companies use tactics to low ball a claim to frustrate a claimant and encourage him or her to give up and accept the paltry offer. I believe that insurance companies have conducted many studies to come up with a strategy to reduce their settlement payouts and increase the profitability of the company. If kindness and general fairness would make more money for the insurance company, then they would utilize that method of claims resolution. Since that is not the way most claims are settled, I believe that insurance companies have designed their negotiation strategies to financially favor them over all other means or methods.
Know this, certain adjusters are assigned to deal with unrepresented individuals, while others are trained to deal with attorneys. Those assigned to deal directly with an injury victim are taught of ways to get people to release their claims prematurely or to prey upon the financial needs after an accident. They are trained to frustrate and discourage people from asserting a legitimate right. Those tactics are ineffective with a good personal injury lawyer. In fact, those tactics are rarely used with attorneys the insurance companies know are capable, competent and willing to fight for the rights of their clients.
For information on When to Hire an Attorney.