When do I need a lawyer?

You need a lawyer immediately.  You need a lawyer even if the accident was your own fault.  The reason you need a lawyer even if the accident was your own fault is to make sure your insurance company pays you for the damages to your car, to make the insurance company pay for the care and treatment of your injuries, and to make sure you are treated fairly.  Insurance companies are in the business of making money not spending money.  The insurance adjuster you speak with is not your friend.  He is working for the insurance company.

Let me help you through this difficult process.