Even if an insurance company seems to be cooperating, they’re not always acting in your best interest. The insurance companies in this case, in all cases, have licensed adjusters who are very well trained and who are doing the best they can generally to represent the insurance company who’s paying them. Therefore, even if you think they’re being very nice in paying you certain damages such as your medical bills, etc., which they probably have to pay by statutory law anyway, you should not deal with that adjuster or insurance company representative without first contacting an attorney and seeing what the real value of your case is, and allowing an attorney to represent you properly to get the full value of your claim.