I have been representing accident victims for over thirty years. People like to handle their own affairs when they know how to, but most are wise enough to call an attorney for help in automobile accident and hospital and nursing home malpractice cases.
The going gets tough very fast in these complicated matters. Most people correctly decide to get professional help before they mess up their cases beyond repair. Why? An attorney with experience representing personal injury victims and negotiating and trying these cases knows what information to get, how to analyze it, and how to successfully present it to an insurance company or a jury. Anything less than that is unacceptable unless the victim wants to be a victim twice, the first time being the victim of a careless driver, doctor, or nursing home staff and the second time being the insurance company's victim.
Adjusters work for the insurance company. Period. Their job is to settle an injury claim for the lowest possible expense to the company. Critical analysis of evidence proving fault, present and future medical expenses, decreased earning potential, and lost wages, often for the remainder of life, is essential.
People untrained in these things invariably miss key elements that greatly weaken or destroy their cases. And they usually miss finding insurance policies and coverages that apply to their cases. Often they don't know that if they accept one type of coverage without getting appropriate authorization from their insurance company, they can waive huge benefits that would be provided by their own policies.
Even if they settle their cases by themselves, everything can be taken by lawful lien holders such as their health insurance companies or Medicare or Medicaid authorities unless they have taken proper protective steps. Get help if you are hurt. Call a professional. It will pay dividends. And call me to get a card that lists the things you should and shouldn't do if you're in an accident. I'll send it today, and you can put it in your glove box or your wallet.