You need to remember that, no matter how sincere an insurance agent might sound in their concern about your present condition, the insurance company has only one goal. That goal is to pay you as little as possible to resolve your claim.
If you enter into settlement discussions with an insurance company without legal representation, it is very likely that the insurance company will offer you far less than what you are actually entitled to.
If you refuse the insurance company’s initial offer, they will find every way they can to undermine your claim, including going as far as alleging that you were at fault for the accident and are not entitled to any compensation at all.
Having an attorney handle all the negotiations with insurance companies will ensure that you get a fair settlement, because they will know exactly what your case is worth and what you should receive in compensation. If the lawyer cannot negotiate a fair and full settlement to your case, then they can file a lawsuit to make sure you get justice.