When to call a personal-injury lawyer

An insurer is certain to make you a quick offer, and it won't be its best one. Sometimes you need an attorney to make sense of it all -- and many times, you don't. (Insurance companies focus on dollars, not victims , -- When not to hire a lawyer , -- When to find counsel, -- What to know about the process, -- A third: the lawyer's cut of the settlement, -- How long until I get my money? )