Even if I feel my claims adjuster is doing a good job, do I still need an attorney?
You most certainly do need a workers’ compensation lawyer, regardless of how nice a person the insurance claims adjuster appears to be. The problem with taking the advice of an insurance adjuster is that the adjuster’s motivation for making decisions is to keep costs down and profits up. This goal is in direct conflict with the injured worker’s best interests, which is to obtain the best medical care and ongoing wage loss benefits for as long as the injured worker is unable to return to work. An insurance adjuster is trained to reduce the cost of the claim any way possible, even to the extent of violating the provisions of the Workers’ Compensation Act.
Although the Pennsylvania Workers’ Compensation Act provides for penalties for insurance company misconduct, those provisions do not seem to keep violations at a minimum.