I have been given 10% disability with a rating of 9. Per my Mri I have permanant disc damage. The Qme has advised that I continue with chiropractic treatment 4x a month. I have not hired a lawyer and the insurance company wants to settle my claim. I want to settle, because they are not authorizing any of my chiropractic treatment, and this has been going on for 4 years now. I dont know at all what i should be asking for as far as a settlement. Is it crazy of me to not have a lawyer? Will it be worth it, or will the legal fee's take too much of the settlement? i need help!