You don't need a lawyer if you get the maximum policy limits and the insurance company is very nice to you and believes everything that you say. If that all happens, you do not need a lawyer. However, there are many times when you can be ignorant to many things and believe that you don't need a lawyer. If you have any questions, I'll be happy to sit down and have a free discussion and tell you what insurance companies look for when settling a case and how they minimize their losses. The process is very simple, and I'll be happy to share it with you at any time in a consultation!