Although you are not required to have an attorney in order to accept a settlement, it is always advisable to have an attorney review any settlement offer you receive from the insurance company before accepting it. An experienced personal injury attorney can evaluate the settlement offer against your case to advise you as to whether it represents fair compensation for your injuries and damages. If the insurance company gives you a low offer, an attorney may be able to negotiate with the insurance adjusters to increase the value of your settlement.