It is not a good idea to accept the insurance company's auto accident settlement without hiring a lawyer to represent you. The insurance company's goal is to protect its own best interests. As such, it will act quickly to offer you only the minimal settlement necessary to close your claim before you have a chance to realize the full extent of your expenses, such as lost wages and ongoing medical costs. It's essential to retain a personal injury attorney who has the training, experience, and resources needed to negotiate the best possible settlement for your case effectively.