A personal injury lawyer is the key to reaching a fair settlement. They can help you at every stage, from assisting you with finding medical care to negotiating with the insurance company or representing you at trial if necessary. If you choose to handle your case alone, the insurance company will believe there is no threat of a lawsuit. As a result, they may attempt to pressure you into accepting an unfairly low settlement or place the majority of the blame for the accident on you to lower your compensation. Under Texas’s modified comparative negligence law, the amount of compensation you can recover will be reduced by your percentage of fault. For example, if an insurer states that you are 80% to blame, you will only recover 20% of your requested compensation.