My dad was the one who was almost backed over by a waste management truck recently. I can not stress enough the importance of an attorney in matters like this. When the insurance company offered settlement on the totaled bike and sent a letter for him to sign the fine print also released them of liabilities for his injuries. After I read this I told him to give the document to his lawyer who made minor changes which were accepted by the insurance company. If he hadn't sought the advice of his lawyer he could have screwed himself big time. As far as finding an attorney, he chose one based on a referral from a friend.