1. Even if their slogan says they are on your side, they truly are not when you are asking for a settlement.
2. Insurance companies are financially able to hire the best of the best legal counsel, but this should not intimidate the honest people who are truly deserving of a fair settlement offer.
3. Suing on your own is probably not the best idea if you want to be taken seriously.
4. Going up against a large corporation may take a lot of time to get a settlement. The longer they keep their funds, the better off they are with their financial investments.
5. Your insurance premiums may go up even though they are not supposed to.
6. You might need to look for different insurance coverage due to them having the right to drop you as a customer.
7. They may have you go to an independent medical representative to consider if your injuries are real or not.
8. If you do not have an official police report saying the fault was an uninsured motorist they may attempt to find you at fault.
9. Be assured they will attempt to limit your medical coverage at all cost. However, you do have the right to see whichever doctor you prefer even if this includes a chiropractor.
10. It is always a good idea to make sure you see an MD as part of your initial treatment as they are viewed as more reputable by the insurance companies.
11. They may even refuse to pay certain bills without you knowing, which results in damaging your credit due to being turned over to a bill collector.
12. Insurance companies are professionals when it comes to dealing with being sued and they do not easily admit fault. They will use whatever bad fair tactic to get what they want including low balling, intimidation not to pay bills, false threats, delay of communication, etc.