Any time you don't agree with what the insurance company is telling you and what they're offering you to settle your claim, whether it's your property claim or your medical claim, you need to consult an attorney. Because that's at the point where the insurance company is going to be taking advantage of you, and you can make sure that they don't take advantage of you by getting at least an attorney involved to help you negotiate that settlement.
If they offer you x amount, and you're happy with that settlement amount, then obviously take it, and you don't need to get any attorney involved. But if it's something you're not happy with, you want to hire a lawyer or at least get a lawyer involved to help negotiate that settlement to ensure that you get the best bang for your buck. If you have a hurt back and they want to offer you, you know, twenty five hundred dollars or three thousand dollars, and it turns out you've got two slipped discs and a messed up vertebrae, you may be entitled to a twenty thousand dollar settlement. So it's those kinds of things, and again, it's strictly case by case, in order to determine whether or not an insurance company is trying to take advantage of you.