If your are injured you will need things. You will need medical care, lost wages and repairs to property. To get these things you will need help. Dealing with insurance companies pits you against professional adjusters and lawyers that serve the profit of huge corporations. Insurance companies are regularly the most profitable corporations in the United States. They did not get that way by being generous or sympathetic. They charge money for premiums and do their best to keep as much as possible. You will only have to deal with them a few times in your life, if you are extremely lucky NEVER, but you will not have the repeated experience to develop the skills needed to fight these giants. We and our associates have done it repeatedly for decades. You need the law to protect you and we will see that it does.