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"I've been doing this a long period of time...I've never seen [insurance companies] not put their interests first." Insurance companies used to be obligated to help you, but now they're obligated to their shareholders first. If you're in a car accident, remember this: the insurance company is already trying to figure out how to save money on your case, money that they owe you. Your attorney's job is to make sure you get every penny that your policy provides you—every penny that you need to recover. Don't accept an insurance company's lowball offer before speaking with an attorney about your options.