[I]njured clients who retain attorneys receive 3 and 1/2 times the compensation that clients who do not retain attorneys receive. Why is that? Because if a client does not retain a well-trained, experienced, "in the trenches" attorney, the insurance company will take advantage of the client, every single time. And, adequate compensation to disabled victims is important in making those responsible (and their insurance companies) for their fate, responsible for their care. Otherwise, the accident victims become a drain on, dependent upon the "system" (taxpayers) for assistance. We, the people, become responsible, instead of the wrongdoers and their insurance companies that profited from taking on the risks.
To the public and the media, Insurance companies market discount pricing. They claim to have the lowest rates; they claim to be your "good neighbor", that you are "in good hands", that they are "on your side". Not a single insurance company markets or brags about how well they treat their policy holders (or those that their policy holders injure or kill); they simply do not disclose their claims-handling prowess. They only want you to know how inexpensive their product is when compared to their competitors. However, if they are not on your side, if they are a terrible neighbor, if you are in hostile hands, than their "discounted rates" are not "cheap", at all. I submit that they are worthless, without a strong, consumer friendly, claims handling policy. You see, the truth is, and most insurance executives will admit this, insurance companies are not in the business of helping people who have suffered a loss or who have suffered a devastating injury. Insurance companies are in the business of making money for their shareholders.
Finally: "While there is nothing wrong with making money, there is something wrong with making it so deceptively."