Don’t be fooled, the workers’ comp insurance is NOT your insurance company, it’s your employer’s insurance company. You don’t pay premiums for insurance - that means that they do not want to be spending money on the injured worker, even if they are initially paying your medical bills and giving you checks while you can’t work. Eventually they will find a way to save money and will start giving you the run around on what doctors to see and will push you to work even when you are still badly injured. Never forget that their job is to save money, NOT to pay a worker money whom they don’t even know.  And don’t forget that they MUST compensate you with a lump sum for having been injured. Chances are, if you don’t have a lawyer, they either won’t give you any lump sum or will try to lowball you.