If you qualify for pain and suffering payouts, it doesn’t mean that the insurance will make them automatically. You still have to prove negligence, present evidence, and negotiate the amount. When the insurance company refuses to pay for pain and suffering, or if the insurance company offers an unfair settlement amount, you can file a personal injury lawsuit. In both cases, you should consider hiring a personal injury lawyer. Presenting your case to the judge or jury can be complicated. Meanwhile, the amount of paperwork associated with these cases is substantial. Without legal representation, you could make a simple mistake and hurt your chances of getting reasonable compensation.