I do a lot of PI, but in BC, so I can't help you with your case. I can tell you one thing though, once you get injured the insurance company no longer becomes you friend. They want to settle a personal injury claim as fast and with as little fuss as possible. They aren't concerned with your situation beyond. They only care about their own numbers.
I would take Troutman's advice about the injury. You never know how it will affect you in the long run.
With the exception of very small and short term injuries, I would always get a lawyer. Personal injury lawyers will always give you a free consultation. The usual arrangement is to take a percentage of what they settle for. Even after the lawyer's cut, you will most likely walk away with more than if you'd negotiated on your own.
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