One reason that injured persons need lawyers is due to the fact that insurance companies do not fight fair.  In years past, the insurance companies attempted to meet their obligations to their policy holders, a.k.a. their customers, by settling claims quickly and fairly.  Independent researchers have show that these policies have changed.  The information is must reading for anyone who wants to know how and why the industry really works.

The new game is to delay as long as possible in order to increase their own bottom line.  This is used in every type of case from personal injury to property cases.

We see this tactic every day.  However, the proof of this has now been exposed in litigation where the insurance companies' own consultants have proven that it is a deliberate tactic to wear down the policy holders and force them to have lawyers in order to keep the bargaining fair.

The solution is not "tort reform" but enacting legislation to protect consumers and the injured from the heartless tactics of the insurance industry.