My opinion is that insurance companies are not always looking out for the consumer. In Texas, insurance companies are looking at the bottom line, they're looking at the premium payments, and they're looking at trying to settle claims, sometimes 20, sometimes 30 cents on the dollar, which is not what you should do.
That's when the attorney comes in and they're going to work for your rights and get you as much as they can from the insurance company that you deserve. You have to look out for yourself, and you don't want to worry about upsetting your insurance company. If they drop you, you go get another insurance company. There are three or four major insurance companies that would be happy for you to sign up with them and would be happy to get you as a client or consumer, to pay them your premium, and to get whatever coverage you want. So that's one of the reasons that you need to hire a lawyer or at least get a lawyer involved if you believe you've been in an accident and the insurance company's not cooperating with you or working with you and perceiving the amount of money that you believe you deserve.