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A: Negotiating a settlement for your own personal injury case directly with the insurance company is extremely difficult. Though some have done it, the results are seldom good. You will be pitting your negotiating skills against a professional insurance adjuster whose job it is to settle for the least amount of money the company can get away with. Adjusters do this every day, whereas most accident victims are only in this situation once in a lifetime. So although you do not have to hire a lawyer, it is highly recommended. You will probably end up with substantially more in your pocket if you do.
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