No you cannot rely on your insurance company to adequately represent you. In many cases, your own insurance company may NOT be your friend after an accident. For example, if you were injured by an uninsured or underinsured motorist, your own insurance company becomes your opponent, having an interest in reducing and minimizing money paid to you because it comes out of their pockets (because they can’t get it from the other person’s insurance company). The insurance adjusters and insurance company lawyers know dozens of different ways to reduce your payment or even deny your claim altogether. Doubt this? Get out your entire insurance policy and read it word for word. All the teeny-tiny print. Can you honestly say you understand it all? No, you can’t!