“When?” is simple . . . as soon as you know you are injured. The Insurance Company will put its professionals to work on day one to minimize its payout for your injuries. You need your own professionals to work right away for a fair recovery.
“Why?” . . . because insurance claims are never simple. First, your lawyer deals with Insurance Companies every day and will take that weight off your shoulders. Second, your lawyer knows the rules of the road and will help you to preserve the evidence you will need to prove fault as well as your harms and losses. Third, once you hire an attorney, you can focus on getting better while we will work on getting justice for you.