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You are not required to have a lawyer but our system of justice is structured in such a way that you may not receive a reasonable settlement without a lawyer. Insurance companies will always offer an amount far below what the case is worth: insurance adjusters are trained to act as a friend and to foster a sense of trust so that you feel that they are on your side. Furthermore, adjusters are graded on how many cases they settle below reasonable value. You may lose money without legal representation because you need a good lawyer to evaluate what your case is really worth.