Q: The other person's insurance company sent me a letter saying that I do not need a lawyer and that they will treat me just as if I was their customer. Is this true?
This is an outright lie. I have never seen an insurance company explain all the rights to the victim. I have seen too many people get abused and frustrated by trying to handle their cases on their own. Car cases are more complicated than ever with today's law about subrogation, med-pay, under-insured motorist coverage and possible coordination with workers' compensation claims. Never forget that the job of your insurance adjuster is to pay you as little as possible in your claim. That is how they make profits for their company. They are not on your side. That is not what they are being paid for.