Many of our clients have hired us after months of fruitless negotiations with an insurance company who had assured them that they would receive a fair settlement and that they should not retain a lawyer. It is true that many smaller claims, particularly those which involve only minor personal property loss, can be settled without the intervention of an attorney. Nevertheless, an individual who has experienced a personal injury where there are doctor bills, ongoing treatment, lost wages, significant pain and suffering, and the potential for future impairment and lost wages, should consult with an attorney who is experienced in litigation matters.