The insurance adjuster for the other driver says I don't need a lawyer to settle my case. Is this true?

Not all cases require accidents attorney involvement. If your injuries are minor and you only had a trip to the emergency room, there may be no danger in getting your case settled if you didn't have any further medical treatment after the emergency room. However, you must understand that insurance companies are in the business of making money. Their incentive is to pay you the least amount possible and to close their file.
If you have received a settlement offer and you aren't sure whether it is fair, feel free to call us at Bollwerk & Associates. We will be glad to listen to the facts of your case and tell you whether the settlement you are being offered is fair. If we think the offer is fair, then we will tell you so. If we think the offer isn't fair, then we may be able to help you secure a better settlement or, if not, we can fight your case in court.