I suspect you will not be getting payment for your lost wages. You may have used vacation or sick pay for time off getting medical care. Will you be reimbursed for this benefit from the insurance company?
How about the medical bills, especially from the hospital and radiologists who see you in the ER? You will be getting many bills, monthly, for their services. When do you pay them back? Can you negotiate the cost of their ER treatment? When is the best time to do so?
These are only a few items that you need to deal with when you handle your own injury claim. Yet, lawyers have the experience to address these problematic issues daily.