Absolutely, you do. Here’s why. Insurance companies make more money if they pay you less money, and they’re very sophisticated, so they figured out that just telling their adjusters to be nice to you and kind and cooperative, and to seem to care about you, will keep you from hiring a lawyer. Insurance companies know that if you hire a lawyer, you’ll get more money for your case, and they will make less money. Absolutely, you need a lawyer to be on your side to fight for your rights.