If your pedestrian accident was clearly the other drivers fault you should hire a lawyer to make sure the insurance company pays a fair amount. I’d rather you hire my competition than deal with an insurance company yourself. I have handled thousands of injury claims. You hopefully only ever have to handle one. People come to me after trying to deal with insurance on their own. Most have made mistakes on simple things that cost them thousands. I’ve turned zero into six figures and six figures into seven figures. Trying to deal with people that are trained not to pay you will result in a loss.