Let’s start with this point, not every car accident case justifies the involvement of a lawyer. But here is when it is most critical to be represented:
You are demanding compensation for serious injuries and pain and suffering beyond a few thousand dollars.
An insurance adjuster is unlikely to take an unrepresented claimant seriously — and offer a fair settlement — when the damages are in the tens of thousands of dollars or more.
You are seeking future damages.
If you are claiming for future damages — lost future income or costs of medical treatment you’ll need later — you will want an attorney to work that into a settlement effectively.
There is a question of fault.
If there is some question of the validity of your claim of fault, you may need an attorney to properly craft your argument.