 As soon as you understand this is war, this is a fight, it's a struggle, the at-fault insurance company is not going to voluntarily pay you the top dollar. Many times they want to give a quick settlement, right? We've talked about this many times on the radio, even on our live show on Saturday mornings, on KHOW, 7 o'clock in the morning, call-in show. People call and say the insurance company offered me $500 for pain and suffering and they're going to pay my $1,200 in medical bills. What do you think we should do?