If you are hurt in a car accident and the car accident was caused by another person, you should hire a car accident attorney. The car accident attorney will seek to negotiate a fair settlement between you and the insurance company based on your injuries, lost time at work, impact on your life and so on. Many, many car accident cases will settle based on negotiation. Not all will, and then your case will go to trial.
You want an attorney because the attorney is likely to be taken more seriously by the insurance company than you are on your own. Most of the time, retaining an attorney will get you a better result. Frequently, when people try to settle the case on their own and then go to a lawyer when they find the insurance company won’t be reasonable, they have already provided information to the insurance company which seriously damages their case. Given this, it is generally better to have help from day one.