As a personal injury attorney, filing your own insurance claim is pretty much like brushing my teeth in the morning. For others, this can become a complex issue. However, before I became an attorney, I was not privy to any of the insurance language. I didn't know if they were trying to lowball me, and I probably wouldn't have known what to do if my claim was denied. If this is you, you probably should contact an attorney. Consultations are usually free, so at least get some legal tips from a professional. You want to know what you're up against. Some claims are tedious work as well, and you don't want your insurance claim to stress you out more than it already does.