Insurance adjustors know more about the legal process and medical issues surrounding automobile accidents than you do. They will try to do everything in their power to keep the amount they have to pay out on your claim to a minimum, this includes denying you a rental car, denying that their insured is at-fault, or claiming that you contributed to the accident or your own injuries. If they don't know the answer to a question, they have trained attorney's available to consult. Why shouldn't you?
Hire a professional! You wouldn't try to remove your own appendix and you shouldn't try to settle your own personal injury claim. Therefore, I recommend that no matter what your legal question, consult an attorney before making a decision. The wrong decision could affect your life negatively for years to come.
My office charges no consultation fee in injury cases and you pay no attorney's fees unless and until we recover from the at-fault driver.