@Markerrag -- that is true at times, but keep something in mind. Dealing directly with an insurance company to settle a car wreck case or something like that is a hard thing for individuals to do. The people who negotiate those settlements for insurance companies are out to save as much money for their employers as possible and don't much care what your needs are.
Quite often, it is a good idea for someone who has been hurt to retain an attorney. Usually, lawyers will take those cases on contingency and that just means that the lawyer won't charge you anything until he or she gets some money for you. If you hire a lawyer, that lets the insurance company know you are serious and the company will often settle the matter for more money than you could have gotten on your own.
Bear in mind that most personal injury cases are settled out of court by lawyers who know what they are doing. If you try to negotiate your own settlement and don't like the result, you can't give it another shot if you have accepted any money and have waived your right to sue.