It appears that settlement offers from the big insurance companies are getting lower and lower.  This means a person may need an attorney more than ever.  The insurance companies hope that an injured person takes their low offer and just goes away.  The companies bank on an injured persons not wanting to go through the frustration and intrusiveness of the settlement and/or litigation process.  Fighting back is important so that the insurance companies know they have to adjust claims properly and make fair settlement offers.