ANSWER: : While the insurance adjuster may be right, this comment should always raise a red flag telling you to at least consult an attorney. Remember, insurance companies are not on your side despite trite slogans such as “You’re in Good Hands with Allstate” or “State Farm is There.” An insurance adjuster, even one for your own insurance company, has no obligation to protect your legal rights. In fact, adjusters are evaluated by how well they protect their employer’s interest by saving it money. By contrast, personal injury attorneys have a legal and ethical duty to act in the best interests of their clients. Statistically, cases in which a client is represented by legal counsel, secure better results. We work for you and part of our job is to advise you whether and to what extent you need our help.