Originally Posted by Quel

Oh please. Most people have enough sense to know when they are getting an acceptable deal and when they are getting screwed. Not every interaction with an insurance company requires a lawyer to reach some reasonable conclusion. If you are getting screwed, go ahead and get one. If you are getting your medical care and bike damage taken care of, just handle it on your own. If this was something where you were out of work for more than a week due to injuries, then it's a different story.