When you bring an attorney into the negotiations, insurance companies are more likely to take notice. If you have a lawyer and your insurance company contacts you instead of him/her, make sure you don't give a recorded statement to them. Instead, consult with your lawyer before giving statements or signing any paperwork. Don't accept any checks marked "final payment" without conferring with your lawyer, these checks once signed can be used by the insurance company as proof that you agreed to accept that amount as total compensation. It is often better to just refer all communication from your insurance company to your attorney so that they can handle the details.