We work for you. We represent you as if you were making this accident injury claim yourself, yet without an attorney involved where you'll have to pay 1/3 of your total settlement to them without any consideration for your medical expenses.
Insurance companies know the game and will work to settle for as little as possible hoping you'll take it. And most attorney's will take 1/3 of their fee first, before they even consider your medical bills.
That means you could be left with a settlement check for FAR LESS than what you owe for just your medical bills.