Many people think that because the law requires you to have automobile insurance that the insurance company will simply pay for any injuries after a car accident. Unfortunately, this is simply not the case. Insurance companies stay in business by collecting premiums and paying out as little as possible. In many instances, the insurance company will deny liability completely. Even if the insurance company does accept liability, they are not going to offer an individual the full amount they may be entitled to under the law. Moreover, in certain situation, depending on the amount of medical bills and the amount of available insurance, there will not be enough insurance to cover the full cost of the medical bills. In this instance, it is important to hire an experienced car accident lawyer who is capable of negotiating with medical providers regarding any possible liens. The only way to know you are receiving a fair offer is to consult with an experienced personal injury lawyer about your car accident settlement.