In as much a lawyer is best qualified to deal with a lawsuit, indemnity companies are just as skilled at making claims appear to be less than they actually are. It is for this reason that far more is claimed for, right at the beginning of proceedings because the final insurance settlements are often negotiated lower by the end of the process.
As the victim of an accident in which you were injured, you have every right to act on your own behalf in approaching a claim against a person or company. However writing your own letter of demand for payment, may not be the best tack to take! A lawyer specializing in this field can write their costs into the claim and you will have a better chance of success.
It is every person’s right to pursue such a claim for injury, even and employee against and employer. Their employment cannot be jeopardized in the case of such a claim.