Hi, I had a question. On October 12, my foot was smashed under a loader bucket at work by another employee. I had a broken foot (2nd metatarsal) from this accident. I filed for workmans comp so I could have my income replaced for time off work. I have now been released from the docs to go back to work (as of 12/27/06. The insurance guy called and said that I am entitled to a settlement and that I will need to see an arbitrator - that I will receive a letter in the mail soon. Do I need an lawyer for this (the insurance guy says no, that there are set amounts they pay per body part injured)? Does this settlement money get paid ultimately by the employer or the insurance company. (The reason for the last question is that my employer is my brother-in-law and I really don't want to cause him any financial strife.) Please help me - I am at a loss as what I am supposed to do.