I would think long and hard about entering a settlement agreement without retaining a legal professional to protect your interests. This is especially true when serious injuries are involved. Generally, once you sign the settlement papers you are bound by the agreement.
JackRabbit was obviously burned by lawyers and other professionals in the past. Unfortunately, there are quite a few unscrupulous attorneys. However, there are ways you can protect yourself. Most State Bar Associations provide consumer phamplets on how to retain an attorney.
If you need to hire an attorney then I suggest contacting your state Bar Association. In addition to requesting the aforementioned consumer phamplet, ask if the attorney you are considering retaining has any complaints on file. Ask about the nature of the complaints and the given investigations conclusion. Keep in mind that some clients blame their attorneys for bad outcomes and file unfounded grievances with the bar. If the attorney has only grievances which might be plausibly explained away, then ask the attorney about them. As an aside, I have been practicing law since 1993 and I have never had a complaint/grievance filed against me.
If you retain an attorney who provides no legitimate service then you should file a complaint with the State Bar.
I agree somewhat with Jackrabbits' comments on the workers compensation system. It is definitely stacked against the workers. You have to realize that the system is created by politicians who are heavily lobbied by employers and workers compensation insurance carriers. That is another reason why you should retain an attorney to protect your interests.
Regarding JackRabbits assertion that "free" consultations are just a sham to get folks to retain attorneys, this is just a bad experience talking. Lets get real. The only reason attorneys offer "free" consultations is so they can get prospective clients to come to their office. That is why I offer "free" consultations. What is wrong with that? I do not put any pressure on prospective clients. During an initial consultation I never even give prospective clients a retainer agreement . If the case seems worth pursuing, I mail the prospective client a retainer agreement. I do not need to be retained on the spur of the moment. If during an initial consultation an attorney gives you a retainer agreement, then I suggest you refuse to sign it until you have considered it for at least a day or so. Most honest attorneys only consider representing a small portion (20%-35%) of the clients which they meet pursuant to a "free" consultation. The remainder get 30 minutes of the attorney's valuable time and expertise for free. Run fast and far from an attorney who takes on every potential case which enters his office door.
Good Luck