Maybe, maybe not. An insurance company is a business, not a charity. Its objective is to dispose of the case in the most efficient way possible. Making sure that you get the compensation you are entitled to is not its top priority. Hiring an experienced car accident attorney levels the playing field. You may pay an attorney a percentage of your recovery, but it will be worth it. The net value of your compensation will probably be greater and you won't have to waste your time wrangling with the insurance company for what's rightfully yours.