A. No, you should not. Believe it or not, many insurance companies actually offer unfair settlements hoping that you will accept the offer. Even knowing you might seek an attorney because their offer is so ridiculous does not deter this practice. Many insurance companies are willing to risk you hiring an attorney because in the end, if you hire one that is incompetent, they save money. This practice highlights two things. One, you should never try to recover compensation for injuries from a car accident without legal representation. Two, you should make sure that the attorney you hire is experienced in personal injury law.