Aye, any insurance company worth their salt will have a crack team of lawyers ready to do your bidding :lol: I got hurt in a wreck a long time ago and they did just that. They were ever more vigilant because the other insurance company were being a bunch of dicks. I ended up getting a full settlement for my car (which was completely totalled) plus an extra 4 grand (which went towards tuition :lol: ).You don't need an attorney, you just need to pay the doctor and your insurance company will sue the other drivers insurance company. Then when you get a settlement the your insurance company will pay the doctor. A settlement minus 33% is better than no settlement.