A handful of insurance companies are only concerned with their bottom line. Many of them will not put your best interests first. As a consequence, a person who does not have a lawyer to back them up or who isn’t as informed about his or her legal rights may settle for a much lower settlement than he or she deserves. Insurance companies are also known to prolong a claim as a way to discourage an individual from fighting for the compensation that he or she needs. An insurance company may also deny a rightful claim.