If I fall down the stairs at an apartment complex do I need a lawyer

Yes, if the cause of the fall was due in whole or in part to the negligence of the property owner or manager, then you would need a lawyer, if you chose to pursue a case. The reason your medical ins. co. is asking if you have a lawyer is because they may have a right of subrogation against the party who caused your fall, entitling them to a medical lien on the settlement recovery,  if any. The best bet would be to seek out the qualified opinion of a personal injury lawyer in Texas..good luck and heal fast.