[REAL 1]

Sometimes when the issues are simple and the facts clear with no difficult legal issues many will try to handle the matter pro se.

Many times insurance companies and other corporations knowing the cost of litigation and counsel fees do try to take advantage of that fact. In New Jersey if the facts are clear and the redress is clearly owing hiring an attorney may actually put pressure on the company to settle since you can seek cost and fees for a frivilous defense on top of the damages you are owed.