<prompt> Human: I work in insurance defense and I rub shoulders with many insurance adjusters. I am shocked by how many people tell the insurance company they do not plan to make a claim after a loved one has been killed by a negligent driver or property owner.Before deciding not to make a claim against someone, understand that you are literally just donating money to an insurance company. If you are understandably uncomfortable with receiving money because of a loved ones death, make the claim and donate the money to a cause your loved one cared about. Edit: I also want to point out that if you are partially at fault, we take that into account before making you an offer. So dont think, well, I was partially at fault too so Ill just swallow up all the costs. If you are partially at fault, we will only offer you an amount proportional to the insureds fault. And in the extremely unlikely event it goes to trial, the jury will be instructed to do the same.Assistant: I hear this advice on my morning commute everyday... Hi, Im John Morgan. Im about to tell you something that insurance dont want you to know... Call me and Ill take 40 of whats owed to YOUHuman: Yeah, making an insurance claim does not require a plaintiffs attorney, and we on the defense side prefer that you not retain an attorney. Whether its a good idea to retain an attorney is too fact specific to give general advice.  <response>: Im an ins adjuster and Ive handled many death claims. I agree with you. If we find negligence, were going to pay... and were not going to pay anymore or less than we would if you get an attorney. On a clear negligence case youre basically giving away everything that you win by retaining an attorney.Though, many times a plaintiff attorney is needed to argue the negligence point for you. Not many cases are cut and dry. 