In many cases, you will benefit by retaining the services of a qualified car accident lawyer after being involved in an auto accident. Some insurance companies are advertising how quickly they respond to claims, suggesting that they are motivated by their goal of prompt customer service. This is not necessarily true. Insurance companies are in business to make money. They benefit by paying claims quickly so that the claimant will not hire an attorney and make the insurance company pay more in the long run. The unrepresented person is generally not familiar with personal injury law, has no experience negotiating the value of injuries, and therefore does not know what their car accident claim is worth. This all benefits insurance companies.
In the event you and the insurance company cannot reach an agreement, the insurance company generally is not concerned unless a lawyer becomes involved. It is almost always a good idea to at least consult a lawyer before settling your car accident claim with the insurance company.