According to attorneys, that's how attorneys make their money, off the ignorant. The real truth is , attorneys spend 3 years in law school never taking any courses on insurance claims. Not even on the bar examination are there test questions asked about insurance. Attorneys are deceiving the people about their educational background. Would it be reasonable for people to hire an insurance claims expert who has been schooled in the filed of insurance claims to teach people how to settle and negotiate a claim with insurance companies.
People place more money in their pockets when they settle their own claim without an attorney.
If for some reason after negotiations have been exhausted and the claim cannot settle, there is then that option of hiring an attorney and taking the matter to court. Note insurance companies do not want the matter to go to court anymore than you do. They also would have to regretfully pay attorney fees to defend. This is why there is that incentive to settle. So, why pay an attorney when a claim will settle without the need to go to court.