Having a personal injury lawyer is usually essential these days. Sadly, insurance companies have strategies that are not legal but certainly aren't ethical. They will use these tricks and strategies to reduce the award you deserve or even have it dismissed altogether. First, they will assure you that you don't need an attorney because they are willing to give you a fair settlement. They'll then proceed to deceive and take advantage of you in order to save money.
One of the first things an insurance company will do is give you an offer that is less than they know you can get. They will tell you that it is the most you can expect and that if you hire an attorney you will lose 1/3 of that paying the lawyer's fee. You can usually figure that anything they offer will be ten to seventy percent less than a judge and/or jury would give you if you hired an attorney and took the case to court. If you agree they will make you sign a release before they cut you a check. This exempts them from any future claims for any reason. Most lawyers will only allow you to sign something like this once fair compensation is paid.