The representative from the insurance company said that I don’t need an attorney. In fact they told me an attorney would only make matters worse. Is this true?

Always keep in mind that the insurance representative is exactly that, an insurance representative, there loyalty is not to you. It is to help the insurance company build there case and keep you from collecting money from the insurance company. So, don’t fall for the act when they are friendly and tell you its alright to talk with them, without first, seeking the advisement of an attorney. Obviously, insurance companies make more money when they are collecting premiums and not paying claims. Just let the insurance companies speak for themselves:

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