>First off you should not use 192.x.x.x in a enterprise or "company" network. As this can cause issues >later. Use the 10.x.x.x or the available private 172 subnets.
I would not go that far; yes I would stay away from popular rfc1918 space, such as 192.168.1.0/24, 172.16.1.0/24, 10.1.1.0/24; but you do have a point to ensure that you should plan your subnets and networks so that you do not have issues in the future with IP network overlap.
>If you have 3 network segments i.e 192.168.1.0; 192.168.3.0; or 192.168.4.0
>will you have to have 3 separate routers?
Sure, you essentially can have 3 routers, install static routes, or even enable a dynamic routing protocol like EIGRP/OSPF, etc. You do not have to have 3 separate routers, you can have 1 router with 3 separate interfaces each enabled in 192.168.1.0, 192.168.2.0, and 192.168.3.0, etc. You can even have the 3 networks on one physical interface and create secondary addresses (However, I would not recommend this, but by design you can do this if you should so desire.).
Billy