Quote Originally Posted by pooks
It is interesting, for sure. But I'm not sure that getting a lawyer to represent your interests always means suing. I think it often simply means that once a lawyer is involved, the insurance companies are quicker to take care of business because they're wanting to avoid legal action. (I could be wrong.)

But yes, it would be nice if you didn't have to do that.
Pooks,
You are quite correct. There is a lot of well-intentioned and incorrect legal advice in this thread. The OP should simply talk to an attorney in her state.