Maybe; but if you have sustained an injury or have extensive property damages, it’s always worth scheduling a free consultation with an attorney. Insurance companies cannot be trusted with evaluating a person’s injury because they are a for profit company. Insurance companies are focused on their business’ bottom-line and not on the well-being of the injured person. They work hard to ensure they pay the injured person as little as possible when there is a claim filed. Always remember non-attorneys are not allowed to offer legal advice; if you think you deserve more money or at the very least want to explore your options, contact an attorney.