Though it may seem like the more economical option to represent yourself without an attorney, keep in mind that the insurance company knows two things for certain: it's highly unlikely the case will go to court AND even if it does, unrepresented claimants generally do very poorly there. In fact, it's a dream scenario for the claims adjuster to deal with someone without an attorney. There is no pressure, they can settle the case cheaper, and they can tell you almost anything they want knowing you are not likely to be able to do much more than take their word for it. If your case is so small that it's not worth having an experienced attorney, I will let you know. But, in most cases, you will receive far more from your case by having experienced legal counsel in your corner and on your side, especially when the insurance companies know the attorney isn't afraid to take them to court.