So you get the Pro Bono coverage
A friend of mine in the local PCA is a lawyer. He was awakened one night by the cops. Some drunk driver drove through his front yard and demolished his 924. The drunk's insurance company was dragging their feet about responding. He sent them a nice polite letter on his letterhead and mentioned he had owned that car for many years and was planning on fixing it up for his son to drive. The insurance company sent him a generous offer that he accepted.