Just get a lawyer. Well, if you're injured. I should have done that from the beginning because it could have avoided a lot of stress. It's been over a year and I'm still trying to get bills paid. I thought since it was a simple rear ending and it wasn't my fault, it should be easy, but my insurance has been paying the medical bills and will get reimbursed by the other driver's insurance. My insurance is still dragging their feet about paying my bills. I felt like if I got a lawyer, that shows I just want a large settlement. No, it shows you want to avoid a huge hassle! I was 35 weeks pregnant and had to go to the hospital to make sure me and the baby were OK. It doesn't take a huge impact to cause a placental abruption. Thankfully we weren't in danger, but before the evening was over, I could barely lift either leg up. It was even painful to put on my flip flops. For months I couldn't roll over in bed without screaming in pain and my baby stayed in bed with me because it was too difficult to put her in her crib. For weeks I couldn't even lift an empty pot, let alone add water to that to boil some pasta. I couldn't carry laundry up and down the stairs and my husband had to stay home for a month because I couldn't carry our baby up and down the stairs either. After my 36 hour labor (on top of my injuries), it was even more fun when I got the labor and delivery bill for $9,700. My health insurance had denied my bill because I had an "open liability claim". They had to reprocess it after I explained the car accident didn't get me pregnant or cause me to give birth. I still had to wait a month for any diagnostic tests because the doctor was giving me time for my spine to return to normal after giving birth. I also had to wait until I was healed enough from delivery to go to physical therapy. After a round of that, my doctor declared I wasn't feeling better enough for his liking, so he sent me for two MRI's on my spine, which was also very painful because I had to lie on my back for long periods of time. Some degeneration was found, so that's when it got really fun. I kept explaining that whatever was there before wasn't causing me pain. I was fine before the accident - jumping on trampolines, dancing, cleaning all day, carrying toddlers, etc. It took months for them to pay for my MRI's. The insurance kept saying they needed "more documentation" and the MRI people said they were just playing games. Then the insurance said my MRI's were medically unnecessary, so I had my doctor write a letter stating why they were necessary. They finally paid for part of them, but left me with the rest because they said the office charged more than was reasonable. The office said they don't have a contract with any PIP insurance, so there's no discount offered. I had the same problem with my xray bill. I then had to fight for my chiropractic bills to be covered and that was starting to help a great deal. The insurance said their chiropractor was leaning towards calling it "chronic". I had to have the chiropractor right a letter even though he documented in my chart that I was improving. At our first visit, we couldn't do any tests with me on my stomach because I was screaming in pain. I then wrote a letter to put in my chart and sent it to the insurance as to the ways I had improved. Then I got shingles. I couldn't have anyone touching me because I was in so much pain. My adjustor said if I took a break from chiropractic treatment, they wouldn't cover it when I went back. Seriously?! They are claiming they never received my January bills for PT and PT is saying they resent them and that I owe over $1,000, yet they haven't sent me the balance. I don't know who to believe. And they still haven't covered one of the doctor visits. I'm $400 away from exhausting my PIP and then everything else can go to my health insurance. No one understands why my car insurance doesn't just pay the remaining $400 towards PT or whatever. So frustrating. I have spent countless hours on hold/on the phone/writing letters/writing emails, etc. when I could have been getting the rest I needed after delivery or just enjoying my baby the best I could. If you get a lawyer, you're not being greedy. Lesson learned.