You have to ask yourself if you have sufficient knowledge to go toe to toe with the insurance company or defense attorney. Do you think what they’re going to tell you is accurate or in your best interest? They have completely opposite interest than you. They don’t want to protect you. Instead, they want two things: 1) protect their insured/client; and 2) pay you as little money as possible to settle the claim. They don’t care if you need medical treatment. In fact, they want you to settle as soon as possible, even if you still need treatment, haven’t fully recovered, and still may miss work. A good, experienced attorney will know how to prove your claim, what’s necessary, when to negotiate, and how to negotiate, all with the threat of a lawsuit if they’re not reasonable. This is the best way to avoid regrets, including being taken advantage of by your lack of knowledge and power position.