How Do Insurance Companies Determine Settlement Amounts?

Have you ever heard of someone getting a large settlement from an insurance company by representing himself/herself? It virtually never happens. This is because if an insurance company knows it will not be sued it will offer only minimal money on a case or deny it outright. However, once a lawyer is involved, an insurance company evaluates a case based on the likely verdict if the case were to go to court. This usually results in a much larger settlement offer and increases the likelihood of the case settling out of court.