It is a good idea to consult a lawyer if:
It is not clear who is at fault for the car accident, or liability is being dispute.
You are not sure what the damages are.
The insurance claims adjuster requests medical records from before your accident
The insurance company denied your claim and refuses to reconsider even if you think they are wrong
You have incurred medical bills
The other party has served you with a lawsuit
The insurance claims adjuster has made you an offer for settlement, and you believe your claim is worth more
If you are claiming lost wages which are difficult to prove, or
You are not sure if you can prove your own case.