The insurance adjuster said that I did not need to hire a lawyer. Is that true?

Of course the adjuster told you that!  Why would the insurance adjuster want you to hire a lawyer?  If you have counsel, then you will know to push back when they make a low offer.  If you have counsel, then you will be advised on a whole host of issues that will protect and help your case.  Taking advice from the adjuster about what is best for your case is like letting the foxes guard the chicken coupe.  We try very hard not to take any case where we think that the client can do just as well on their own, and in all but the most simple cases, we believe that the clients will do better with counsel -- frequently much better.