The problem with insurance companies is that when you are the claimant in a car accident matter, they are not necessarily on your side. It is the nature of the business that their self-interest is rooted in maintaining profits, which means even when they are not acting in bad faith they could be offering you a lower settlement than you deserve. They could be more skeptical towards your side of the story, and they will urge you to jump through their hoops and use their repair shops to save money.
Your lawyer, on the other hand, focuses on your best interests. It is their direct job to defend your rights and make sure you get a fair settlement. So, if you are being scammed, if the police reports are not accurate, if your insurance company or the plaintiff’s insurance company is dragging their feet or acting in bad faith, your lawyer will be able to notice it immediately and advocate for you.