It is usually very difficult to treat, replace your vehicle, live the routine of daily life, and learn enough law to negotiate with an insurance adjuster. Remember that this is an adversarial process. Insurance adjusters are trained to pay as little as possible to injured parties to resolve their claims. The injured party is not prepared to go toe to toe with any insurance adjuster. There are several practical reasons for that. If this is your first claim, you will be negotiating with an insurance adjuster who has negotiated hundreds or thousands of claims. That disparity in experience means that, while you have no practical idea of the value of your claim, the insurance adjuster does, has no reason to be honest with you about that value, and is actively working against you. Another reason not to try to negotiate on your own is that there are years of legal precedent and statutes that you do not know.
It is a personal injury attorney’s job to know them. In my experience, insurance adjusters often do not know the law. Only an experienced personal injury attorney will know the law and be able to bring his or her knowledge to bear against the insurance company. This is one area where what you do not know will hurt you. It is also true that one of the only ways an injured party can actually screw up their own claim is by talking at length on a recorded line with the adverse insurance carrier. It can be hard for even an experienced attorney to undo that damage.