It depends.
Typically property damage claims are resolved by the insurance companies within a matter of weeks after the accident. However, if the other party is denying liability it does make sense to hire an attorney.
In regards to a personal injury claim, the answer is YES. You need to hire an attorney to protect you. You need an expert by your side to navigate the details.
"85% of all payouts paid out by insurance companies for bodily injury claims are paid to clients who have hired an attorney to represent them."
- Insurance Research Council
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