Yes... eventually! Eventually they'll do it, because we make them do it. For the most part insurance companies don't voluntarily part with their money. They fight. They try to demean and belittle people who have been injured, because they know most people will just give up. It works in the insurance company's favor to frustrate you, which is why you want to hire a lawyer. Once you hire a lawyer you never have to talk to that adjustor again. A good lawyer with trial experience will not let an insurance company take advantage of you. So do your homework and find the right lawyer who will go to bat for your case.