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Many insurance companies are fearful of litigation, especially if it gets to the level of a court case. Public court cases can damage a company's reputation, so often they want to stay out of the spotlight as much as possible. Many lawyers in the insurance claim specialty area state on their websites that they are able to resolve these claims without having to go to court. Usually communication from an attorney will get the ball rolling and get your claim paid, if the insurance company is truly the party that is in the wrong.