In a perfect world where every business and insurance company honored its commitments and obligations, but that's rarely the case. The vast majority of personal injury cases involve insurance companies, and insurance companies make their money by collecting premiums and then not paying out claims.
Insurance company representatives are trained to encourage personal injury victims to accept less than they're entitled to. Some insurance companies even interfere with medical treatment by refusing to authorize procedures or delaying payment.
Hiring a personal injury lawyer is often the only way a personal injury victim can get his legitimate expenses covered by the person or company responsible for his injuries. Insurance companies are well aware of this, and so train their representatives to make every effort to discourage injury victims from retaining personal injury lawyers.
Personal injury victims who work with personal injury lawyers may be more likely to receive larger personal injury settlements. It's not because those personal injury lawyers are "holding up" the insurance companies; it's because victims who aren't represented by personal injury lawyers often get cheated.
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