I believe car crash injury victims are always better off hiring counsel for many reasons not worth fully exploring here (but I do here). But if there is any type of claim where an injured victim can justify proceeding without a lawyer, it is in the classic neck or back soft tissue/whiplash injury traffic collision case with clearly no permanency.
My belief has always been that the benefit of experienced counsel can bring to a case is going to vary inversely with the severity of the injury. If you have a permanent injury, you are foolish if you don’t hire a lawyer. (I wouldn’t handle my own case either because that is also an awful idea.)
A quality attorney in those cases is statistically going to get you a lot more money – put a lot more money in your pocket – than you would get for yourself. The same is probably true in soft tissue neck/back injury cases, too. But car accident lawyers cannot run from the fact that the difference is much less significant. Some people just prefer the path where lawyers are not taking money away from their settlement. So be it. As long as you understand you run a risk just like you run a risk when you try to install your own bathroom floor, just typically with a lot more money at stake.