Personal Injury: Suppose the other person’s insurance company offers to settle with me?

Do you know the full extent of your injuries? How long they will last? How difficult the recovery process might be? How much income you will lose, not just in the time you are out of work, but afterwards? How much money is traditionally recoverable by persons who are similarly injured who have legal representation? Probably you know none of these things. But the insurance company knows the answers real well, and will never tell you. You would be negotiating in the blind, without any idea of what you may be entitled to recover. An experienced lawyer knows the answers.