You have several options to choose from if you are a personal injury victim. In most cases, your lawyer will likely recommend that you first pursue a claim with the insurance company. They may attempt to give you a low-ball settlement offer, but trying to pursue a claim with them first is a good option. It is always worth the effort. If they give you an offer that is much less than what you are hoping for or deserve, a lawyer will be able to step in and take action. They can better handle the tough negotiations with the insurance company, and your chances of obtaining compensation in a personal injury case are much higher with a lawyer to represent you and advocate on your behalf.