You should contact a lawyer as soon as possible. The very simple fact is that insurance companies are not your friend. They focus on making money. The way they make money is by paying you less than you deserve. They know that if you contact a lawyer, you will get more fair compensation than if you represented yourself or didn’t have an attorney at all. Never talk to an insurance company. It’s not required and a lawyer can help you deal with that. We act as a buffer between you and the insurance company to protect your rights and fight for you.