There are few things to remember whenever you're injured by the actions of another person: that person is liable for your medical bills, lost wages and a reasonable amount for pain and suffering. That person and their insurance is also the only entity responsible for paying the bills resulting from the accident assuming this party is 100% liable. Also, the liable party, their insurance company and their lawyers will take whatever reasonable steps they can take to limit their losses which for them means settling with you and not involving personal injury lawyers. You and the people you hire on your behalf are the only people that will advocate for justice that is weighted in your favor. If you ever feel that justice isn't being served then by all means hire a good lawyer who can tip things back in your favor and place the financial burdens where they belong.