Insurers systematically offer initially lower amounts than what is really due, hoping that the injured party is unaware of his rights or prefers to collect something quickly even if it is insufficient. Experience shows that with specialized legal advice, significantly higher compensations are obtained, frequently double or triple the initial offer of the insurer. In addition, if you finally go to trial and win, the insurer must pay the costs of the proceedings, so your lawyer and attorney’s fees are recoverable. Unless the initial offer is reasonably close to what is actually due (which is rare), it is worth claiming properly.