Emphatically, yes. The insurance company does not work for you. Their job is to minimize the amount they have to pay out on claims and thereby maximize their profits. They may pressure you to accept a settlement, but you should never do so without talking to an attorney. By accepting a settlement, you are cutting off your right to recover more later if it's discovered your damages are worse than you thought. No matter what the insurance company tells you, you do have the right and the time to speak with a lawyer.