Midtowner, I'm not criticizing all attorney's--just those who capitalize off of minor car accidents. The insurance industry is highly regulated and as an adjuster I'm scared to death of even THINKING about stepping outside the line that has been drawn for me by insurance laws. Attorneys, however, have no real checks and balance system. This is why we desperately need tort reform. And I'm not talking about serious accidents where cars are totalled and people are put in the hospital and miss work. In those cases, you made need representation to get the maximum pay out. I'm talking about the tiny fender benders, rear-endings, and parking lot accidents where there is no more than a scratch on someone's vehicle and yet they have to spend weeks in a chiropractor's office. Insurance fraud is and blatant dishonesty is the reason people spend so much on premiums. And a lot of attorneys out there play into this whole concept of entitlement. I'm not saying all lawyers are bad, but you do have to admit it is a serious problem.

And Mr. Anderson, this thread was long dead until I posted what I did. Someone posted a reply to it, and it spurned a tangential discussion. It didn't hurt anyone. And it is still fairly related to the topic as it relates to what I do for a living. I'm so tired of all the rants on here about "staying on topic" and threats of editing and deleting threads. No one is attacking anyone, and this is a fairly interesting discussion for me as it relates to what I do for a living. Chill out.