Even if it is not your fault, your insurance policy may have to cover your medical bills, lost wages, property damage, and pain & suffering in an accident through the uninsured and underinsured part of your policy.
Often times medical coverage can take an entire minimum policy limit. If the driver that hit you only has minimum policy limits, you will have to look to your insurance policy to pay for bills beyond the at-fault driver's coverage limits.
When your own insurance carrier realizes that they may have to pay out on a claim, the adjuster's pleasant attitude towards you may change. A qualified car and truck accident lawyer will understand the law in your state and make sure your insurance company follows the terms of your insurance policy. Make sure the your own insurance company honors your agreement with them.
There are laws in place to protect you. If your accident lawyer is forced to bring a suit against your own insurance company and wins, the insurance company may have to pay your lawyers attorneys fees.
If you are in a car or truck accident, or any dispute or negotiation against your insurance company, hire a lawyer and keep them honest.