You certainly can negotiate your case with an insurance adjuster without the assistance of an attorney. However, if you really think about it, who's more familiar with the process? The insurance adjuster deals with these types of cases every day. They may know some things that they can say or do with you in order to take advantage of you because of your inexperience. It would be especially helpful if you had someone on your side who has a lot more experience in dealing with these insurance companies and limiting the games that they may play. So, generally speaking, we do recommend that you have an attorney assist you in the negotiations.